Hard-working Kiwis who own a home are paying more in mortgage payments as their mortgages are starting to renew. Nearly 50 percent of mortgages will renew in the next six months, and the impact on the average mortgage for Kiwis of a 1 percent increase is $150 more that they will pay on their mortgage every single week. That is the reality of what Kiwis are facing and this Government has squandered an opportunity to deal with the underlying issues that we have within this economy and put money back into the hard-working Kiwis' pockets that they so deeply need. 