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There is hope for house-buyers who have not been able to save up a big deposit after Ulster Bank announced new 90% mortgages.
The bank said it hoped the two and five-year deals - requiring people to put up just a 10% deposit on new homes - would open up the market to more people including first-time buyers.
It is the only one of five big lenders here to announce it has reverted to 90% deals.
At the outset of the pandemic, most lenders withdrew 90% deals - partly down to uncertainty over the crisis and its impact on the housing market.
But it has proved more buoyant than expected. The latest government property price index said the average house price here has grown by 2.4% to £143,205 over the last year.