ECB interest rates are on hold for now but many believe their next move might be upwards. Indeed the non-bank lender ICS raised its rates yesterday.  Today, Avant Money, which is owned by the Spanish lender Bankinter, says that it’s cutting its mortgage rates. It comes as the entire sector faces a shakeup from the arrival of Monzo to Ireland and the sale of PTSB at some stage. 

With more on this Joe was joined in studio by Brian Lande is the head of mortgages with Avant Money.