Ms COLLINS (Franklin—Minister for Housing, Minister for Homelessness and Minister for Small Business) (15:04): As the member opposite well knows, interest rates are rising, and they started rising under the former government back in May because of what had occurred because of them prior to the election. In terms of our Help to Buy scheme, which the member is clearly referring to, that is a government equity scheme which we will be moving quickly to get up and running to make sure that Australians do have an opportunity to get into a home. We're talking about up to 30 per cent of government equity for existing homes and up to 40 per cent for new homes that will be available under the Help to Buy scheme. Government members interjecting— The SPEAKER: Order! The minister has completed her answer, and I give the call to the member for Newcastle. Government members interjecting— The SPEAKER: The Leader of the Nationals is on a warning. The member for Newcastle will be heard in silence.