BROOKE VAN VELDEN (Deputy Leader—ACT): Thank you, Madam Chair. I rise on behalf of the ACT Party to talk about the interest deductibility changes that this Government is proposing. I believe that they are divisive changes. When the Government and the Minister proposed them last year, it was stated that these interest deductibility changes were supposed to help tilt the market away from speculators and tilt them towards first-home buyers. The ACT Party did what the Government should have done, and we actually went out and we talked to people who would be affected by this change. There are a lot of people whose financial security is now in jeopardy because of these divisive changes. But the real issue here is that it's not actually going to make people better off. This doesn't help build more homes for first-home buyers to actually live in. In the meantime, it actually pushes up rents. We saw from the advisers' own advice last year that the average landlord is going to have an imposed cost of about $4,000 extra per year because of these changes. It shouldn't be a surprise to anybody who would be able to realise that that cost has got to go somewhere. Most landlords don't want to put up their rents on good tenants, but they will be forced to.