The hon. Gentleman and I share the same view that young people in this country should have every right to get on the housing ladder that those of us who were fortunate to do so in previous years had. It is a shame that the Scottish Government have chosen to close the Help to Buy scheme and to pause the first home fund without bringing forward any credible alternatives. Of course many of these issues are devolved, but where the Chancellor and I can take action in Scotland, we certainly will. As I said earlier, we are working very closely with the big banks on a UK-wide basis to see what more we can do to help first-time buyers access high loan to value mortgages and get on the ladder.