This year has seen the re-emergence of non-bank lenders in the Irish market, as financing conditions on global bond markets — where they ultimately fund themselves — have eased somewhat in anticipation of official rate cuts by central banks.ICS Mortgages, which first entered the owner-occupier loans space in 2019, has turned its lending taps back on again this year and a new entrant called Moco, owned by Austrian bank Bawag, has started to make waves. Another start-up, Nua Mortgages, is also pla...