How much of the pain in getting an Irish mortgage comes from regulations? I tried re-mortgaging with Avant a few years ago and it was no less onerous than the p

How much of the pain in getting an Irish mortgage comes from regulations? I tried re-mortgaging with Avant a few years ago and it was no less onerous than the process with BoI. Same messing about with multiple surveys, 30 page forms etc. And in the end (for reasons) we stuck with BoI.