(1 year, 10 months ago)
Commons ChamberIn rural areas such as mine where housing is already very expensive, more and more landlords are already deciding that letting their properties out is not worth the candle. They will therefore sell them, and the effect will be that there are fewer and fewer properties to rent. Those that are available will therefore go up and up in price and our youngsters will struggle to get on to the rental ladder.
I thank my hon. Friend for making that point. It is one that I will come on to, in terms of both the impact that the Bill will have on the attractiveness of short-term lets and the bureaucracy and hassle that will arise from this legislation.
From the outset of the Bill’s arrival in Parliament, I have worked to ensure that it strikes the right balance between tenant and landlord—a balance that ensures that the rights of tenants are respected and enshrined in legislation while the rights of landlords, property ownership and contract law are maintained and safeguarded. I believe that a failure to strike that balance would have a disastrous impact on the private rental market in the United Kingdom. Complicating the rental market with onerous requests, bureaucratic measures, additional costs and an inability for people to operate their personal property as they wish would only result in large swathes of the private rented sector throwing up their hands and selling their properties, just as a failure to support tenants would only embolden rogue landlords, diminish standards and increase unfair treatment.
From the start, it has been my mission to find a level playing field that ensures that tenants and landlords can co-operate together in a fair market that has a healthy supply of rental properties, with rights and standards enshrined, costs low and bureaucracy minimal, in a system that respects the rule of law and, perhaps most importantly, has a structure and a court system that is effective and that delivers. All of this has been done because we are in the midst of a supply crisis in the private rented sector, on which we have yet to touch.
On average, 25 prospective tenants inquire about every available rental property, up from eight in 2019, according to Rightmove. Hamptons estimates that between 2016 and the end of 2023, individual landlords sold almost 300,000 more homes than they bought. Last year, the Bank of England warned that demand for rental properties continued to outstrip supply as the number of landlords choosing to exit the market increased. It is therefore vital that responsible landlords have confidence that pragmatic changes are being made to the Bill. Failure to do so would only deepen the crisis.
I have said previously that the failure to have a sensible rental period at the start of a tenancy would likely result in the flourishing of long-term rental properties being used as short-term lets. Given the substantial price difference between short-term lets and long-term lets in constituencies like mine and the constituencies of the hon. Members for North Shropshire (Helen Morgan) and for Westmorland and Lonsdale (Tim Farron), there would be a very real likelihood of people exploiting that loophole.
Landlords incur costs and expenses when entering into a tenancy, and they need the certainty of a minimum period. Many buy-to-let mortgage lenders also require a minimum six-month tenancy agreement when lending to residential landlords. As a result, I tabled amendment 6 with the support of 58 colleagues to ensure that tenants cannot give two months’ notice to leave a property until they have resided in it for four months. I believe that this is in line with the recommendations of the Levelling Up, Housing and Communities Committee. I therefore welcome that the Government have accepted this argument and tabled new clause 15, which mirrors amendment 6. I will therefore not press my amendment.
Obviously, in a number of areas we have listened to the sector and moved on from the White Paper. The hon. Lady’s point is legitimate, but the reason the tribunal is able to set a rent that is above the landlord’s initial request, and to set a market rent, is that we want to ensure that it is not overburdened with repeat requests that challenge rent increases that are perfectly reasonable.
Surely the whole point of a tribunal is for the tribunal judge to set what he thinks is a fair market price. It might go up, it might go down or it might stay the same, but that is the whole point of a tribunal.
I entirely agree with my hon. Friend, and that is why we have acted in this way.
We have heard from Members in all parts of the House, and I thank them all for their contributions during the Bill’s passage. They have worked collaboratively and diligently to ensure that this important legislation becomes law. I want to record my thanks to all my officials—I cannot name them all, but a few of them are Leah, Guy, Steph and Ross—as well as those in my private office team and the Clerks. I thank Members on both sides of the House, notably my hon. Friends the Members for Northampton South (Andrew Lewer) and for Totnes (Anthony Mangnall), for all their work, and of course I thank those in the Government Whips Office. Above all, I thank all the groups that I have had the pleasure of meeting as they represent the interests of both tenants and landlords across the wider sector.
I hope that our colleagues in the other place will take the collaborative approach that has been taken in this House, and will pass the Bill with the speed that it now deserves to give certainty and security to landlords and tenants throughout the country.
(2 years, 4 months ago)
Commons ChamberI must declare that I own half of a rental property with my wife and should therefore refer the House to my entry in the Register of Members’ Financial Interests.
I want to start by talking about one of my favourite subjects in this place. I have often spoken in the House about the impact of second homes in my constituency. While they bring many economic benefits, we must also face the fact that quite often they turbocharge the market, pushing up prices and making home ownership simply a dream for many local people. It is no big secret that North Norfolk has the highest proportion of second homes in the country outside London. In addition, one in five properties are private rentals. However, with an increasing number of holiday lets and second homes for many local people, the availability of secure, long-term rentals is diminishing year on year. That is particularly worrying in a constituency such as mine.
I am very grateful to my hon. Friend, whose area I know well because—I declare an interest—I farm in his constituency. I also have rental properties. What he is saying is absolutely correct. The Bill will have a disastrous effect on areas such as his and mine, reducing the number of rental properties and therefore increasing the price of rent. For youngsters, that is really serious.
I thank my hon. Friend for intervening. I do not agree at all, actually. In constituencies like mine, people have a real problem with the security of rental property. If they are evicted, it is virtually impossible for them to find somewhere else to rent in a short space of time at the moment. I deal with queries about that all the time, but I will come on to that in just a moment.
It is worrying that for so many who are looking to settle down in a family home of their own, renting is becoming the only option due to rising house prices. For example, on Friday I bumped into a local estate agent in one of my biggest towns, North Walsham. He told me he has 25 applicants for every rental property that comes on to the market. The demand is just off the scale. Clearly, that is a really huge problem. There is simply not enough rental market security when demand is rising as it is.
Now, clearly I am a Conservative and I am not against people wanting to purchase property in Norfolk as a second home. If one works hard in life, one should have the choice to spend one’s finances as one wishes. But I also believe that when the market begins to fail, intervention is sometimes necessary and that is where we are at the moment. Many second homes, for instance, are left vacant for large parts of the year, reducing the property pool and once again reducing the availability of homes for residents to rent. Although holiday lets and vacant second homes are not the focus of my speech today, following conversations I have had with many of my constituents, especially Jane Platt, whom I met when she came all the way from North Norfolk to Parliament back in March, I know how unsettled and insecure tenants can feel in the sector as it currently stands. That fear is exacerbated in areas such as North Norfolk, because if a landlord decides to serve an eviction notice, given everything I have just said, there would simply be so little choice available for renters who need to find a new home quickly. Indeed, sadly, just in the four years I have been in this place, I have tried to help many desperate families find a suitable home to rent. That is at the pinnacle of why I support the Bill.
The Government are trying to help. Many initiatives have come forward; I was a Parliamentary Private Secretary in the Department for Levelling Up, Housing and Communities for a short period of time. Doubling council tax on second homes, planning changes for short-term rentals and now this Bill show that the Government are committed to fulfilling their manifesto commitment to introduce reforms that will provide families across the UK with that extra reassurance that they will be able to settle into a family home and be free from, in certain cases, unfair evictions and, in very limited circumstances, landlords who do not act in a correct way. Many landlords and tenants are good, honest and decent people; they are the norm. The private landlord is, in my view, the answer to the rental crisis we face, but only if they are incentivised properly, for example with tax reforms. I gently suggest that in some regards we could go further with some of the Government’s proposals to ensure that good and decent tenants feel secure in the private rental sector and feel they can put down roots. It might not be a big issue for some Members, but as others have said, enabling someone to have a pet in their home, as I allow, is certainly right in the 21st century when so many people treat a family pet as a part of their family.
There is large support across the board for the Government’s current proposals, and I am not suggesting that they are materially changed. However, I believe there are some valid conversations to be had around increasing notice periods from two to four months to give people time to find a new home. I have said it before, but in my constituency and in many others—for instance, in the south-west—I doubt anyone could find another rental property in two months, such is the enormous shortage. In addition, I would potentially improve the protected period at the start of the tenancy from six months to at least a year, as well as making all grounds discretionary rather than mandatory so that a court can take into account a tenant’s circumstances before granting possession. Above all—I have said this to various Ministers before—why can we not incentivise long-term landlords to return to the market by offering mortgage interest relief on long-term tenancies? In a constituency such as mine, so many people offer short-term rentals in their holiday cottages and on Airbnb, but if we could switch those people to offering long-term tenancies on their properties by giving them mortgage interest relief, it would fundamentally change the situation overnight and give more renters market security. It would seriously improve the amount of rental stock we have available.
I appreciate the need to safeguard landlords from antisocial tenants and to allow them to get their properties back when needed; we have heard that this evening. However, the tightening of some of the Government’s proposals would not cause an exodus of landlords from the sector or prevent them doing what they wish with their asset. As I said before, I own a part-share and I do not have any fear at all. When a landlord has a good relationship with their tenant, that is how it works—operating good relationships. Generally, people who are trying to rent are decent people. Creating a fairer, more secure and thriving rental sector is achievable, and this Bill is the first step.
(3 years, 8 months ago)
Commons ChamberI hear the important point about national parks, and the echo from my hon. Friend the Member for Isle of Wight (Bob Seely) with reference to areas of outstanding natural beauty. The environmental protections in the Bill should meet that need, but I look forward to working with my right hon. Friend and my hon. Friend in Committee to ensure that the protections are there.
My right hon. Friend has referred to the national development management policies. There is great concern that they will override local planning authorities, which spend a great deal of time preparing their local plans that are then approved by Government inspectors. It would be quite wrong if national Government overrode them, and it would destroy the careful balance that has existed since the Town and Country Planning Act 1947, in which planning was devolved to local authorities.
My hon. Friend gives me the opportunity to reassert that the NDMPs will not override local plans. Local plans have primacy—that is perfectly clear in this legislation. As a result of strengthening the plan- making system, we will make sure that we deal with the issues and questions that have led particular communities to resist development in the past.
I mentioned the importance of beauty. Specifically, for example, we will strengthen the role of design codes in local plans. Through our new office for place, which is a successor in some respects to the Commission for Architecture and the Built Environment but even better in its drive, we will be in a position to ensure that beauty is at the heart of all new developments. In particular, I pay tribute to my predecessors in this role, my right hon. Friend the Member for Newark (Robert Jenrick) and the late James Brokenshire, who worked to ensure that beauty, quality and higher aesthetic standards were at the heart of new architectural developments and did so much to reset the debate away from where it has been in the past and towards a brighter future.
I am grateful to have caught your eye in this very important debate, Madam Deputy Speaker, but I am not so grateful to have to follow the speech of the hon. Member for Wigan (Lisa Nandy). I cannot believe that in a speech that lasted more than half an hour, she could not find something to welcome in the Bill, which will help to level up some of our poorest communities in this country. I can only conclude that she and I have been reading different Bills.
I declare my registered interest as a Fellow of the Royal Institution of Chartered Surveyors; I have practised professionally in planning matters. I welcome the fact that earlier zonal planning proposals were dropped, and I welcome the abolition of the five-year land supply. It is right to try to speed up the planning process by better using data and digitalisation. Where better to start than by streaming and accelerating the local planning process, and concurrently introducing neighbourhood development orders in clause 89 to make the neighbourhood plan process easier? That is important, because those plans are where most people become involved in the planning process. They are a truly democratic part of that process.
Unfortunately, the democratic theme applies with a vengeance to the national development management policies set out in clauses 83 and 84, which I referred to in an intervention on the Secretary of State. It is very important that we think carefully about them, because they set a dangerous precedent that begins to nationalise planning policy and upsets the delicate balance between national and local policy that has existed since the Town and Country Planning Act 1947, which largely decentralised planning.
I will not, because I have only four minutes.
Given the enabling power in the Bill to implement NDMPs, and the enormous centralising power, what will they contain and what will be the consultation process to create and amend them? That is a key question, and I hope that the Minister for Housing will provide some answers when he sums up.
I was heavily involved in the Public Accounts Committee’s inquiry into local government finance; indeed, I secured an Adjournment debate on the subject on 27 April—it is printed at column 845 of the Official Report—to urge the Government to stop local authorities such as Cotswold District Council, which wants to borrow £76.5 million on an annual core spending budget of just £11.2 million. The Liberal Democrats running that council are financially illiterate.
I welcome the implementation of the Letwin review to speed up development with the introduction of a development commencement notice that sets out the annual rate of housing delivery within large developments and the consequent completion notice. I also welcome the new infrastructure levy in clause 113, to be set in conjunction with the retained section 106 powers. In the Cotswolds, agricultural land is worth between £10,000 and £15,000 per acre; with planning permission, that could increase to half a million pounds or more. With good tax advice, only 10% is paid on the gain.
If the infrastructure levy is properly implemented, it could provide substantial infrastructure. It could end the endless argument about delays and viability, because the developer would know before purchasing the site what they would be expected to provide. The construct of charging on the gross development value—I urge the Minister to listen to this—is interesting, but will deter any aspect of environmental design improvement unless it is statutorily required. A better construct might be to capture the increase in land value, which I have demonstrated is there.
Finally, the increase in planning and enforcement fees is welcome. Most planning departments are poorly funded; they should be properly funded to determine applications rapidly and should employ good and well-qualified planners. Thank you for allowing me to speak in this debate, Madam Deputy Speaker.
I call the SNP spokesman, Patricia Gibson.
I am keen to ensure that we get it right. Of course I will consider it, because I want to ensure that we consider all aspects. There could, however, be unintended consequences in other parts of the country. We will want to ensure that we get it right, but I will look at all options. I have made that commitment to numerous colleagues who have raised the issue with me.
I turn to infrastructure. I want to mention in particular my hon. Friend the Member for South West Bedfordshire (Andrew Selous) , who seems to secure a Westminster Hall debate on this issue every other week. I congratulate him on that. Many have asked what the Bill means for our infrastructure: our roads, bridges, schools, GP surgeries and so on. This is where I believe communities stand to really benefit from our reforms. All of us know that, without new infrastructure, when people see new homes going up in their community, too often they fear the worst. They fear that it will result in more congested roads, busier trains and fewer services to go around.
I hope that the proposals that we have set out in the Bill will go a long way towards allaying those fears for good. I am determined to continue working with hon. Members on both sides of the House to do so. That starts with sweeping away the old, opaque section 106 agreements and replacing them with one simple infrastructure levy that is set and raised by local authorities. The new levy will be fairer, simpler and more transparent, and it will be imposed on the final value of a development. It is important to stress that, with the housing market as buoyant as it is, the levy will easily be able to respond to market conditions. Put simply, when prices go up, so will the levy.
Crucially, our Bill also requires councils to prepare an infrastructure delivery strategy, setting out how and when the levy receipts will be used. That means new development will always bring with it the new schools, nurseries and GP surgeries that communities want and need. I have listened, in particular to the debates secured by my hon. Friend the Member for South West Bedfordshire. He knows that I will be meeting my colleagues in the Department of Health and Social Care next week to see what more we can do to ensure that local health services are more involved with the planning process.
We will run a test and learn approach. We are holding a series of roundtables with stakeholders because we want to get it right. It is important to remember that councils can borrow against the levy, so they can bring the infrastructure in as soon as the development is happening.
I am grateful to the Minister for giving way. He will have heard what I said in my speech about the gross added value method of charging for the infrastructure levy, which will act as a disincentive to developers to put added value on environmental and design matters. Will he please discuss that matter with me to see whether we can use a better method by capturing the increase in land value?
I certainly make that commitment. My hon. Friend raised that point with me earlier this afternoon. There are some points there that I want to further explore, so I will ensure I meet him in the next week or so.
(4 years, 1 month ago)
Commons ChamberI absolutely take the hon. Gentleman’s point, but I think that the legislation we are bringing forward helps to address some of the regulatory failures to which he alludes. I also think it is important to wait for the conclusions of the Grenfell inquiry before apportioning appropriate weight on the responsibility that rests on central Government, the responsibility that rests on local government, and the responsibility that rests on others. I believe the proposals that we have put forward today are the best and most expeditious way of ensuring that we can provide support to leaseholders, but of course we will keep that under review.
I draw the House’s attention to my entry in the Register of Members’ Financial Interests as a chartered surveyor.
I warmly welcome today’s announcement. May I ask my right hon. Friend about two aspects that he has mentioned in the statement—namely that the indemnity given to building assessors and the proper auditing assessment should enable lenders and insurers to offer those products at reasonable rates fairly quickly? That, in turn, will get the market moving, so that those leaseholders who desperately need to move should soon find that there will be a market for them to do so.
My hon. Friend is absolutely right. That is exactly our intention, and it is the fruit of the work read by my hon. Friend and others.
(5 years ago)
Commons ChamberThe hon. Gentleman, for whom I have great respect, misunderstands the scheme that we have just announced. For buildings of between four and six storeys, where the risk is much lower, leaseholders will have the opportunity, if they wish—there will be no compulsion—to take advantage of the financing scheme. That loan scheme financing arrangement will sit with the building, not with the individual. It will not affect the individual’s personal credit rating, and it should not have a material impact on the value of their property. It will be akin to paying somewhat more on their service charge every month. As I say, it will be capped at £50 a month, which is similar to the average service charge. Of course, in many buildings the service charge is already far in excess of that.
In drawing the House’s attention to my entry in the Register of Members’ Financial Interests, may I say to my right hon. Friend that I think this is one of the most generous and innovative schemes anywhere? In buildings to which the finance loan scheme is applicable, will it apply to non-cladding costs that nevertheless contain a material health and safety element—for example, fire doors and asbestos?
We have chosen to focus both the grant scheme and the financing arrangements on cladding. That is for good reason, because the expert advice that we have received from the independent panel has consistently been that cladding is the greatest danger that needs to be combated. There may be other defects in buildings, and they will vary widely from building to building. They will have to be a matter for the building owner and for the homeowner. We, as a Government, are going to tackle the big issue here, which is cladding. We are going to end the cladding scandal that began with the Grenfell Tower tragedy.
(5 years, 2 months ago)
Commons ChamberI absolutely welcome anything that ensures a better balance of taxation, and that example shows the importance of co-operating internationally. Much time has been taken up in this House pursuing a theoretical sovereignty, but we may be about to find some of the limits of the practical sovereignty we can get. However, certainly I am all in favour of making people pay what they can in taxation and doing so on a collaborative international basis.
That brings me neatly on to my next point, which is about tax-free shopping. The Government have announced their intention to withdraw tax-free shopping. That will have a deleterious impact on our airports, particularly our regional airports, and also have a massive impact on tourism. Much of the tourism traffic that comes into all parts of the UK is led, at least in part, by the opportunities for tax-free shopping.
The hon. Gentleman is making a very important point, which I intend to follow up in my speech. Does he agree that the withdrawal of the VAT rebate will affect all parts of the United Kingdom, particularly in Scotland, including firms such as Johnstons of Elgin, where manufacturing and retailing will be affected?
I absolutely agree with the hon. Gentleman, and I look forward to hearing that aspect of his speech. I believe the change could affect anything up to about 33% of sales for the company he mentions, but overall, as well as imperilling the opportunity to develop routes from regional airports, a total of about 40,000 jobs and over £1 billion of investment could be at risk. It is little wonder that the French financial newspaper Les Echos has argued that the UK is in danger of shooting itself in the foot here.
Earlier I talked about business rates, and wholesalers have also been missed out. They are absolutely critical to the supply chain for many of our smaller communities. They have been given some direct support from the Scottish Government, but have missed out on support from the UK Government. I encourage the UK Government to look at including wholesalers in the support available to that part of the sector.
In conclusion, high streets in communities of all sizes face challenges on a number of fronts. We have heard some from the speakers so far; no doubt we will hear new aspects as the debate continues. But with the right Government support, at local government and national Government levels, our town centres have the opportunity to thrive as places where we work, rest and play, and effect the necessary transitions in how land and buildings are used. In Scotland, we would obviously rather the Scottish Government were able to do all that is necessary in that regard, rather than just some. Following some of our earlier debates, it would be far better if, instead of grabbing powers from Holyrood through the United Kingdom Internal Market Bill, the UK Government were instead transferring powers to the Scottish Government, particularly financial powers and borrowing powers, so that they can get on with doing all that is necessary, instead of having to wait for it to happen elsewhere.
I wish to devote the bulk of my speech to dealing with the decision by the Treasury to withdraw duty-free shopping in this country and VAT rebates, the so-called VAT RES, or, as some in the popular press have dubbed it, the “tourist tax”. I fully support the Chairman of the Treasury Committee’s call for a comprehensive reassessment of the matter. Indeed, in its hearing on 1 December, the OBR said it had given the policy its highest possible uncertainty rating.
The OBR also said it had no confidence in the Treasury numbers, that HMRC had no data of its own on the cost of VAT RES, that HMRC was wrong to assume that introducing a 20% tax would have no impact on visitor behaviour and that the OBR had assumed a price inelasticity of 1.9. Finally, the OBR said that there had been no consideration of the knock-on impact on associated sectors such as hotels, and no taking into account of any falls in VAT from fewer and shorter trips from wealthy visitors to this country. We must be crazy to want to deter wealthy overseas visitors from coming here to stay in our hostelries and from spending a lot in our shops.
There is a common perception that this measure only affects Oxford Street and Bond Street; in fact, as I said to the hon. Member for Gordon (Richard Thomson), it affects the entire United Kingdom. It will affect companies such as Mulberry, Burberry, Church’s, Johnstons of Elgin in his constituency and, in fact, the whisky industry in Scotland. That is losing jobs. It is estimated, as he said, that up to 40,000 jobs across the UK could be lost by this decision, which will affect regional airports, manufacturing in Blyth, Yorkshire and Somerset and high-value shopping areas such as Edinburgh, Dundee, London, Manchester and Leeds.
I call on the Treasury to think very hard about this decision. Even if the hon. Member for Gordon and I are wrong, and the decision does not cost 40,000 jobs, it may still cost half that—20,000 jobs. The Red Book states that the decision may cost half a billion pounds—the industry does not think it will—but that is chickenfeed compared with the loss of those jobs.
In the second part of my speech, I will speak to my constituency. In Cirencester, the biggest town in my constituency, 41 shops have closed or are about to close. In all my small town centres, half a dozen shops are going to close because of covid—that is about 60 shops, at least. As I did in a question in the House last week, I call upon the Minister and all tiers of central and local government to come together to have a massive exodus on to our streets when it is covid safe to do so. That can be done through a range of measures. The Minister was right. We are pleased that the Government have put so much money into our high streets through the towns fund, but we also want other measures such as car parking, broadband and rates reform.
(5 years, 3 months ago)
Commons ChamberUrgent Questions are proposed each morning by backbench MPs, and up to two may be selected each day by the Speaker. Chosen Urgent Questions are announced 30 minutes before Parliament sits each day.
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Indeed, high streets will certainly change, but we need to get the balance right between online and bricks and mortar as well, because both have a really important position to play in our retail offering.
In just three towns in my constituency, 27 shops have either closed or are about to close because of the pandemic. Will my hon. Friend commit today to use the Government’s very generous package of measures to retail businesses at all levels of Government—from central Government to local government to local enterprise partnerships—to follow the Prime Minister’s lead to encourage a massive return to the high streets now that we are allowed to do so under the guidance?
It is really important that, as we extend hours for retailers to be able to open up for Christmas, we rip up and peel back on our bureaucracy as well. We must also encourage local authorities to do more such as offering free parking and other such things.
(5 years, 4 months ago)
Commons ChamberI am grateful for the opportunity to speak in the debate. I hope the Minister for Housing, my right hon. Friend the Member for Tamworth (Christopher Pincher), who I thank for listening to my concerns, will forgive me if I do not praise the good bits in his White Paper because I do not have time to do so.
As my right hon. Friend the Member for Ashford (Damian Green) said, the real flaw in the White Paper is that all it does is concentrate building in the south-east and central south of England, and does not use the Prime Minister’s wish to build more infrastructure to level up the rest of the country. It is really important that a planning system is led by a well-executed local plan. National designations under the National Parks and Access to the Countryside Act 1949, such as national parks, areas of outstanding natural beauty and green belt, must be respected. I understand the Government’s desire to increase housing numbers. A formula or algorithm, if correctly designed, will always achieve that. However, it is a very blunt instrument that does not take into account any local variations.
There is a particular concern about the proposals, which deal with housing needs and requirements, between the housing numbers in the planning White Paper and the algorithm in the change in the planning system consultation. The Cotswolds is 80% AONB and the current local plan requirement is 420 houses. The proposed standard method would deliver a staggering 1,209—a 188% increase. If every area had a 188% increase, the Government would hugely overrun their targets. The current formula will certainly increase the numbers, but will not necessarily improve affordability. It is fundamentally wrong to automatically assume that affordability will be solved in areas of housing demand. It is the housing mix, not housing numbers, that is really important. In my area, what we need are small one and two-bedroom flats to meet the aspirations of first-time buyers, the young and the old. As was so ably said by my hon. Friend the Member for Harborough (Neil O’Brien), if we stripped out those people who live in the Cotswolds but who do not actually work in the Cotswolds, both housing prices and average salaries would come down immeasurably and we would be nearer the average on affordability.
The current proposals need to be looked at seriously. The present proposals would so radically alter a very special area like the Cotswolds, which the planning system to date has so successfully protected, that future generations and visitors alike would not be able to visit the area and see why it is so special.