Hon GRANT ROBERTSON (Minister of Finance): House price increases of the magnitude that we have seen in recent months are not only harmful to affordability, they also represent a risk to economic stability. The changes announced today include measures to tilt the balance towards first-home buyers, including reducing the competition that they face from speculators for typical first homes. None of the measures today affect the family home. There is no one single measure that will turn around a housing crisis of this magnitude, but a combination of all the measures we have announced today will make a difference.