mortgage guarantee scheme was to mortgages. talk through that. i“i9 mortgage guarantee scheme was to end next summer and it offers commercial lenders the option to take out insurance to cover buyers who default on mortgages that have a very high loan to faro ratio, iea low deposit. that is supposed to make it easier for brokers to offer mortgages to first—time buyers who potentially might only have a 5% deposit. that could help first—time buyers, because it makes it easier to raise that deposit, but it is important to remember that those buyers are still going to have two pass the mortgage affordability checks and still have to have a sufficiently large income to take out what would be a much bigger mortgage. the people most likely to benefit from this would be buyers in their 30s from better off backgrounds and buying outside of london and the south—east. let backgrounds and buying outside of london and the south-east. let me also ask you _ london and the south-east. let me also ask you about _ london and the south-east. let me also ask you about their _ london and the south-east. let me also ask you about their liberal - also ask you about their liberal democrats offering this dad months of paid leave for fathers and doubling of statutory maternity pay. statutory maternity pay is about