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Turning to the question—[Interruption.] I know that some hon. Members have had a very good evening drinking and eating. I was about to deal with affordable housing and who benefits in the housing market.
I should remind hon. Members that most lenders have special schemes for first-time buyers and that interest rates are still extremely low compared to the record levels reached under the Conservative Government, when a typical mortgage of £50,000 would have cost £250 more than it does now. [Interruption.] I see that we are all returning from the restaurant.