It is fair to say that I am gripped by this problem, because without confidence in the consumer protection around the installation of these schemes, we will not hit the targets for clean power by 2030, nor create the warm and safe homes that we need. We are working with lenders and financial institutions to resolve the accessibility of some outstanding financial products, but it is now not the case that all lenders have a blanket ban—we are making some progress on that. We will conduct further assessments to quantify the extent of spray foam, and I am keen to work closely with the hon. Gentleman and others who have examples from their constituencies that can inform how we design the future system.

When I came to this brief, I too was shocked at the extent of the failures of the external wall insulation scheme under ECO4. We have set out the actions that we are taking to ensure that properties are remediated at no cost to the householder. Looking to the future system, the three principles that I believe we should follow are that work should be done right the first time; the system should be simple and easy to navigate from the consumer’s point of view; and when things go wrong—I do not want them to, but when they do—there needs to be swift remediation through the system to ensure that it delivers for consumers.