HM Treasury must monitor, and annually publish, the costs of maintenance of the Mortgage Guarantee Scheme, as well as the impact that it is having on mortgage rates, to ensure that it remains value for money. These could be included in the official statistics of the scheme, or published separately. If costs of the Mortgage Guarantee Scheme rise without it keeping mortgage rates low enough for ordinary people to access, the scheme should be closed. (Recommendation, Paragraph 110)