Thank you. I think this debate has been very useful and very positive, and I hope I'm able to respond in similarly useful and positive terms. I'm really glad to have this opportunity to talk about the exciting work that we're doing to find new and creative solutions to Wales's pressing housing needs. Our innovative housing programme is designed to test new ways of increasing the supply of affordable homes and get them built more quickly, whilst also reducing their impact on the environment and lowering their running costs.

In a statement to the Assembly on 24 October, Carl Sargeant announced the 22 schemes to be funded under the first phase of this programme. We know that good-quality, affordable housing is fundamental to people's health and well-being, and we can't accept that people in today's Wales should have to decide whether they heat their homes or eat. Finding new models of housing that significantly reduce heating is a priority, and homes that can also generate income from surplus energy are now a real possibility. And, indeed, some schemes funded this year include the active homes scheme in Neath Port Talbot, which is about using homes as power stations, and that's being delivered in partnership with Pobl housing. 

I want to develop new methods of building that increase supply and speed up delivery. I want to see excellent-quality, affordable homes that are less damaging to the environment—and, listening to the debate here today, I think that we share that vision. I agree that modular homes do look very promising, and appear to offer the sort of benefits that we're all looking for. There are seven modular schemes being funded in the first year of the programme, providing 91 homes, and we'll continue to fund a range of new models in 2018-19 and 2019-20. 

The motion today focuses on the potential use of modular housing by individuals building their own homes. That may be one aspect of its potential, but concentrating on that alone ignores the need for scale and the wider opportunities in harnessing this approach. Modular building is particularly cost-effective when it is produced in large volumes, and could, when combined with our investment in new social housing, provide an opportunity to develop a flourishing new industry with a series of manufacturing facilities and new jobs across Wales. This is an opportunity to refresh the housing supply chain in a strategic way, and that's why I want to test out a large number of different modular build types over the next couple of years—so that we can be sure that we find the right solutions for Wales. I'm therefore very pleased to say that the innovative housing programme's budget is now £90 million for the three years between 2017-18 and 2019-20—£70 million more than initially announced in February. 

Raw materials are also a key part of the supply chain, and I'm really keen to look at how we might use more Welsh timber and steel in modular housing. We have a lot of both materials, so there are real opportunities here for us in Wales. Reflecting on the debate we had earlier this afternoon, I do sense that there is also a real appetite for this. 

Please be assured that the Welsh Government is certainly keen to help to bring forward land for housing and find ways of enabling small developers and self-builders to do more. But we do not accept the specific prescriptions contained in the UKIP motion. The Conservative amendment calls for incentives for identification of sustainable brownfield sites. I'm actively looking at how we can help to bring forward stalled sites across Wales, and I hope to make an announcement on this very soon. 

The Development Bank for Wales can play a key role in both unlocking stalled sites and also bringing Welsh SMEs back into the market. These are two particular areas that I've taken a strong interest in early on in my time in this portfolio. So, I've therefore allocated an additional £30 million of loan funding to the bank through the property development fund. Alongside our initial investment of £10 million, we will recycle and reinvest this funding over 15 years, meaning a total value of £310 million can be achieved. 

We have a co-ordinated approach to land sites and their use to help address housing need. We're developing a register of all public land in Wales and some local authorities are already compiling lists of brownfield sites suitable for self-builders. So, we're looking at all options. We are, for example, looking at sites where the land is pre-prepared for development, with planning consent in place. This approach can allow people to choose the type, style and cost of homes that they want by selecting from the pre-agreed designs. This is just one of a number of ideas being explored, and it is still at a formative stage, but I do think it illustrates the serious thought and creativity that we are bringing to this challenge. 

I'm very pleased that, despite the obvious differences between our approaches, there is nonetheless a very clear shared recognition of the need to use fresh approaches to tackling our housing needs. Welsh Government is funding the exploration of a broad range of methods. I don't believe that now is the time to single out one technique or identify self-build alone as the way forward. We have to be bolder than that, and more open to a range of new ideas, learning from innovation and refining our approach as we move forward. Thank you.