We rent out a condo and we're practically breaking even. It's not a big part of our budget, but January had an 11 per cent increase in mortgage lending. I don't know if that means the rates are more likely to go up or down, but with Remortgage, it suggests to me that the loans themselves are not going to be impossible to get. January usually has a lower rate of mortgages than other months during the year, but perhaps because of the fear of earlier, there built up a need that finally snapped back to get mortgages. I think that it means that more homes are being purchased successfully, so at least the need for homes might be going up.