have surpassed those levels. how high do they need to go before him and government take them seriously? mr speaker, the honourable lady knows that people around the world know, the driver of higher mortgage rates is higher inflation and higher inflation is caused by russia's invasion of ukraine and the post—covert supply chains. what we have to do is make sure we halve inflation. it is only by getting inflation. it is only by getting inflation under control that we will be able to get mortgage rates down and that requires discipline. discipline on spending. discipline on is public—sector play and discipline on energy supply. all of which is lacking from that party. predict that mortgage payments will rise by at least £500 for 1 predict that mortgage payments will rise by at least £500 fori million