Irish consumers remain optimistic about their future finances, according to a new survey by the Friends First financial institution.
Despite five interest-rate rises in the past year, the survey found that the under-35 age group still expects to be better off next year.
Seventy per cent of responds said they hadn't been affected by these increases.
However, if mortgage rates were to increase again, 30% of respondents said they believe it would have a major impact on their financial situation.