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Amendment of the law

While the hon. Lady is on the subject of housing—I know that she shares my interest in that subject—will she say a word about HomeBuy? The Government announced £80 million for the HomeBuy scheme, and the estimates that I have suggest that that will help roughly 10,000 buyers. However, given that, even in very bad times, there are about 10,000 applications for mortgages each month from new buyers, is that not an extraordinarily marginal proposal by the Government? Does she see shared equity as a critical way of helping new buyers on to the ladder, as we have done for many years?