Senator GALLAGHER (Australian Capital Territory—Minister for the Public Service, Minister for Finance, Minister for Women, Manager of Government Business in the Senate and Vice-President of the Executive Council) (14:00): Yes, I can. I thank Senator Smith for the question and the opportunity to talk about Labor's housing agenda, which includes a very— Senator Birmingham: I think it was on cheaper mortgages. Senator G ALLAGHER: Thank you for that interjection, Senator Birmingham, but it is part of a broader suite of policies that relate to Labor's housing agenda, of which the Housing Australia Future Fund is one. We have one of our signature policies, the Housing Australia Future Fund, a $10 billion fund, being blocked by those opposite, who refuse to acknowledge that the Commonwealth has a role to play in housing policy. This is not my portfolio area, of course, but I'll take the question— Senator Dean Smith: President, I raise a point of order on relevance. The question clearly talked about mortgages and clearly talked about the 11 interest rate rises. The PRESIDENT: Thank you, Senator Smith. I think by definition mortgages go to housing. The minister is being relevant. But I will listen carefully and, if she is not relevant, I will draw her to your question. Senator GALLAGHER: We went to the election with a very significant policy in relation to housing. It had a number of different features. We had the $10 billion Housing Australia Future Fund. We have the negotiations that we are having with the states and territories on national housing and homelessness agreements. In the budget, we included incentives to increase the build-to-rent accommodation. We have an additional $2 billion in financing for community housing providers. We have the recent social housing accelerator, another $2 billion. We have the Commonwealth rent assistance increase, the largest increase in 30 years. Senator Hume: None of those are about mortgages. Senator GALLAGHER: Hang on. We haven't got through it all yet. There's the National Housing Accord, a shared ambition to build one million homes, with $350 million— Senator Dean Smith: President, I raise a point of order on direct relevance. The question clearly talked about cheaper mortgages and 11 interest rate rises. The PRESIDENT: I will draw the minister to those points. Senator GALLAGHER: So we have the Housing Accord. We have the Home Guarantee Scheme. We have the help-to-buy scheme, which is a program to support eligible Australians on low to moderate incomes to purchase their own homes with a smaller deposit, which will result in smaller mortgages and smaller mortgage payments. We're working with states and territories on that. (Time expired) The PRESIDENT: Senator Dean Smith, a first supplementary?