Senator McGRATH (Queensland) (14:18): Minister, recent research from Roy Morgan found that 1.9 million homeowners are at risk of mortgage stress, increasing by 852,000 since you came to government. The average owner-occupier mortgage has now risen to $634,479, a 9.3 increase from 2023. Can you explain how these figures represent the cheaper mortgages the Prime Minister promised to voters prior to the last election?