I propose to take Questions Nos. 832 and 833 together.
Local authorities operate a Mortgage Arrears Resolution Process (MARP). This process aims to provide assistance to borrowers who are having difficulty in meeting their mortgage repayments, and it is available to all local authority borrowers. Where any local authority borrower, including those who took out a loan in 2008, encounters difficulty with their mortgage they should contact their local authority as soon as possible to discuss the various solutions that may be available to them through this process.