I absolutely agree with the noble Lord, and this Government are committed to supporting home ownership and first-time buyers. Since spring 2010, more than 837,000 households have been helped to buy their own home through the government-backed schemes, including Help to Buy and Right to Buy. We have looked at stamp duty and made that much more positive for first-time buyers, and I believe we are spreading the opportunity to more people through our First Homes Scheme, giving a minimum of 30% discount to people who cannot otherwise afford to buy in their areas. That is what we are doing to support home ownership.