The Australian Government will invest an additional A$4 billion in the secondary mortgage market in a second extension of a program first announced in late 2008.The Government has invested or committed around $13 billion of the existing $16 billion funding line overseen by the Australian Office of Financial Management.So, with $3 billion capacity and now the extra $4 billion, support for mortgage securitisation is at around 50 per cent of the level already invested.Whether the existing investment is achieving any policy goals is hard to say, though the market share of small lenders has, if only in recent months, begun to improve.The promise of an extra $4 billion may only partly satisfy smaller lenders looking for practical aid to lower the cost of wholesale funding, however.There is nothing specific, for example, on steering the AOFM to invest in subordinated tranches of mortgage debt and at lower prices than set in the market at present. This does not to exclude the prospect of the AOFM following such a path, but it didn't rate a mention in the package.There is unease among the non-bank retail sector that the Government's plans favour credit unions and building societies, and that the forthcoming public education campaign (that will use the slogan Bank on a Better Deal) will make that point.