Private Rented Sector

Debate between Baroness Kennedy of Cradley and Lord Greenhalgh

Monday 20th June 2022 Lords Chamber

[Baroness Kennedy of Cradley (Non-Afl)]

My Lords, I declare my interest as director of Generation Rent. The White Paper is welcome. It is serious and ambitious. If the detail of the words follows through to the legislation in the end, it will make significant difference to renters’ lives.

As the Minister said, the centrepiece of the reform is to end Section 21 and give renters a secure and stable home. Insecurity of tenure is the biggest issue for renters, which is why I feel that when we look at the White Paper and the mandatory no-fault grounds, there is a need to strengthen those grounds. I would like to hear a little more from the Minister about how the Government will ensure that those mandatory no-fault grounds will be strengthened to ensure they are not abused by unscrupulous landlords and give renters the security that this legislation is designed to do.

Does the Minister agree that if you are given a no-fault ground for eviction, you have a family and your kids are at the local school, you do not want to move in term time, you do not want to move over the winter and you would need longer than two months in which to make that move under no-fault grounds? It is also expensive, as the Government have acknowledged in the White Paper, so compensation should be given to renters for no-fault grounds. It should be longer than a two-month notice period and increased to four months.

[Lord Greenhalgh (Con)]

My Lords, the noble Baroness asks a difficult question. However, I have been encouraged, whenever I cannot directly answer a question, to say that my honourable friend the Minister in the other place will be conducting a drop-in session on 12 July between 11.30 am and 12.30 pm in Room W3, off Westminster Hall. Doing my best as someone who is not the lead Minister for private rental reform, as the noble Baroness realises, I can say that it is about the architecture. The important way of ensuring that landlords are not gaming the system around no-fault evictions is to have transparency through the property portal, so we collect all the available data rather than just relying on renters essentially having to get themselves legal representation and raise the issues themselves. Therefore the property portal is key. We also need to ensure that we get an ombudsman with teeth, with the right powers, and to ensure that the local authorities are resourced in the right way to step in if necessary as well. It is around getting that architecture which will turn the rhetoric into reality.

Leaseholders: Properties with Cladding

Debate between Baroness Kennedy of Cradley and Lord Greenhalgh

Thursday 7th January 2021 Lords Chamber

[Baroness Kennedy of Cradley (Non-Afl)]

My Lords, millions of home owners in this situation bought their properties in good faith. Now their properties are deemed worthless; they cannot be bought, sold or remortgaged. The freeholders and insurance companies say that it is not their problem, and mortgage lenders, through the confusion created by the Government’s changing guidance and the EWS1 certification, have exacerbated the problem. So I welcome the clarification on the guidance that the noble Lord has just given. However, will he accept that this is a bigger problem and that the Government must deal with it? They must ensure that property developers and insurance companies accept their share of the responsibility.

[Lord Greenhalgh (Con)]

My Lords, I absolutely accept that a generation of people have built buildings that are not fit for purpose and, under any regime, should not have been built in this way. In recent years, developers have made profits of between 20% and 30%, so of course they should step forward and do the right thing. I absolutely share that view. The leaseholders who find themselves in this position are victims. I have said that at the Dispatch Box and am happy to commit to do everything we can to ensure that this does not fall heavily on leaseholders.

End of Eviction Moratorium

Debate between Baroness Kennedy of Cradley and Lord Greenhalgh

Thursday 24th September 2020 Lords Chamber

[Lord Greenhalgh (Con)]

My Lords, I thank the noble Lord for his passionate campaign on behalf of people at risk of being made homeless and rough sleepers. I want to be clear that the new court rules and arrangements require landlords to set out any information they are aware of in relation to how their tenant, or any dependant of their tenant, has been affected by coronavirus. They have to do that, because if they do not they risk being put to the back of the queue. As I pointed out on previous questions, there have been a number of support measures, both in the welfare system and in direct payments to local authorities, to avoid homelessness.

[Baroness Kennedy of Cradley (Non-Afl) [V]]

My Lords, I declare an interest as the director of Generation Rent. Last week, I spoke to Peter, who lives alone and has lost his job. He received a one-off discretionary housing payment and while he gets universal credit, it covers only half of his rent. He received a Section 21 notice in May, so he has three months’ notice, and his rent debt means that he cannot get another landlord to take him on. Can the noble Lord advise Peter and other renters like him which element of the Government’s support package will stop them being evicted and made homeless?

[Lord Greenhalgh (Con)]

My Lords, it is hard for me to get into the specifics of that case, but I would point out that the increase in the local housing allowance rate to the 30th percentile of local market rents has provided on average an extra £600 per household— £1 billion for 1 million extra households in this country. The noble Baroness mentioned that Peter has received the discretionary housing payment. Some £180 million has been sent to local authorities and the welfare net has been increased by some £9.3 billion. The overall measures also include £35 billion for the furlough scheme.

Covid-19: Housing

Debate between Baroness Kennedy of Cradley and Lord Greenhalgh

Monday 18th May 2020 Lords Chamber

[Lord Greenhalgh]

My noble friend is right: we need housing of all types and tenures and in all places, town and country alike.

[Baroness Kennedy of Cradley (Lab)]

My Lords, house prices have fallen, and many are struggling to meet their mortgage repayments due to Covid-19. Will the Government do an assessment of the number of home owners at risk of negative equity or of having their home repossessed, and the effect this will have on the economy? The furlough scheme has been extended. Will the mortgage holiday be extended too?

[Lord Greenhalgh]

I will write to the noble Baroness about the mortgage holiday situation. I am not aware that a decision has been taken, but we are looking into it at the moment.