How do you break the stranglehold on the home loan markets?

ICS started off life as the ‘Irish Civil Service building society’, before being bought out, bailed out and then hived off from Bank of Ireland after the financial crisis.  It’s now owned by various Irish investors under the name of Dilosk and it depends on the international money markets for setting its interest rates when it comes to mortgage lending.  But how do you break the stranglehold on the home loan markets held by the big 3 pillar banks?   All to discuss with Ray McMahon, Chief Commercial Officer with ICS Bank.