Ms Ruth Buggie:

We have done a lot of work at community level with credit unions. They have a great deal of interest in supporting what is being done in this space. In addition, the increase in the attic and cavity grants, or what were referred to as low-hanging-fruit measures, increased to approximately 80% of the average cost of doing work in this regard. The extra supplemental needed would make for a modest credit union loan. If put in place in respect of empty attics or cavities, those measures would have the closest relationship to pay as you save. The increases in the cost of loans would very much be offset by the savings made in the household. It is a good solution in circumstances where householders are struggling. If attic and cavity options are available, the grants are really strong in that space.