I am saying that the Prime Minister especially should be careful about what he says, because many people have heard his statement and think that they will not have to sell their homes. I want to be careful and accurate in my comments on this.

Amendment 104 states that the Secretary of State has to make a model deferred payment scheme, or one of the loan schemes, available to all local authorities, although they can opt out if they so choose. Amendment 105 specifies that the interest that people would incur on the loans will not count towards the cap on care costs. We discussed that issue on Tuesday. Amendment 106 would remove the means test for the loans, which was not recommended by Dilnot, who wanted a universally available system, and the matter was sprung on people when the Government issued their consultation document on the deferred payment schemes just before the summer.

I pay tribute to Lord Lipsey for raising the issue and moving the amendment in the other place. He was the first person to highlight the fact that the new loan schemes will not be available to everybody as was intended, but are being means-tested.

Amendment 107 states that local authorities must direct anybody considering taking out such a loan to a financial adviser so that they can be well advised about the best financial options for their situation.

Amendment 96 calls for regulations on deferred payment loan schemes to be subject to the affirmative resolution procedure of both Houses of Parliament.

To provide some background, the loans are widely available but not widely taken up. I did a freedom of information survey on local councils and 95%—we had a high response rate—said that they offered the loans but do not often promote them—

Norman Lamb rose—