Mr. Billy Coman:

No local authority sets out to make anybody homeless. That does not make sense. It is about keeping people in their homes.

The Deputy referred to the mortgage-to-rent issue. There are two schemes. There is the general mortgage-to-rent scheme, through which we deal with financial institutions. It can be difficult to engage with many of them. It is a difficult process and there are options to simplify and streamline it but, equally, work could be done on the mortgage-to-rent scheme for local authority loans. In our experience, the local authority scheme is voluntary and people often do not take that option because it effectively means giving up home ownership to rent instead. Work can be done on these processes to simplify them.