Oral Answers to Questions

Kevin Hollinrake Excerpts

Monday 7th October 2019 Commons Chamber

[Guy Opperman]

If the individual case is sent to the Minister with responsibility for UC, they will take that up and respond accordingly.

[Kevin Hollinrake (Thirsk and Malton) (Con)]

If people are paid on a four-week cycle, once a year they get paid twice in the same month, which disrupts the UC payment for two months. Will the Minister meet me to see what we can do to prevent these cash flow issues?

[Guy Opperman]

I take the point that my hon. Friend makes, in his usual astute way, and I know that the Minister concerned will be happy to have a meeting with him.

Department for Work and Pensions

Kevin Hollinrake Excerpts

Tuesday 2nd July 2019 Commons Chamber

[Alison McGovern]

I thank my hon. Friend for his intervention. The Conservative leadership election feels like the reversal of politics as I had come to know it. I had always expected that Labour would be on the defensive when it came to public spending. I thought that my party would always have to prove that we were the ones who would deal responsibly with the economy, that we would always be on the defensive and the Tories would always be on the attack. But those competing in the Conservative leadership election seem to want to reverse that principle. They seem to want to be accused of splashing the cash. Given that one of the candidates found nearly £10 billion to be spent on tax cuts, I suggest that the debate should never again be about whether austerity was necessary, but should instead be a simple question of political priorities.

[Kevin Hollinrake (Thirsk and Malton) (Con)]

The hon. Lady is making some powerful points, many of which I agree with, and I am also concerned by some of the pledges in the leadership contest about the spending of taxpayers’ money. What does she think about Labour’s election manifesto pledges of £1 trillion of spending?

[Alison McGovern]

The hon. Gentleman asks about the 2017 manifesto. I simply remind him that before the publication of the manifestos in that election most people expected the Conservative party to get a stonking great majority so that it could push through its version of Brexit based on the quality of their manifesto as opposed to ours. I point the hon. Gentleman to the historical facts, as it did not turn out at all like that.

Universal Credit

Kevin Hollinrake Excerpts

Monday 14th January 2019 Commons Chamber

[Alok Sharma]

I am sorry that the hon. Lady feels unable to welcome the changes. The previous two Budgets have included additional support and, as I just said in answer to my hon. Friend the Member for Mid Worcestershire (Nigel Huddleston), we will see what more we can do where that is appropriate.

[Kevin Hollinrake (Thirsk and Malton) (Con)]

Universal credit was rolled out in my constituency almost two years ago. The roll-out was largely successful, but there are issues, particularly with payment frequency. Will my hon. Friend commit to continue to listen, learn and make adaptations where necessary?

[Alok Sharma]

My hon. Friend makes an important point, because several of the other issues announced by the Secretary of State relate to looking at more frequent direct payments to private landlords and at alternative payment arrangements, including offering them proactively.

Oral Answers to Questions

Kevin Hollinrake Excerpts

Monday 7th January 2019 Commons Chamber

[Amber Rudd]

I am afraid the right hon. Gentleman is a little ahead in his fulsome praise for me, which I always appreciate. As I said to him in the Select Committee before Christmas, I will want to consider carefully when I bring to the House the vote for the 3 million managed migration, which is scheduled for 2020. I am still considering when to do that. I can reassure him that there will be a vote on that before it takes place. The 10,000-person pilot, which was announced some time ago, will, as always, inform us how we do that.

[Kevin Hollinrake (Thirsk and Malton) (Con)]

21. In Thirsk and Malton, some of my constituents get paid on four-weekly cycles. That means they can get paid twice in a month and can appear to be earning more than they actually do. What more can we do to ensure universal credit responds to such situations, so that people receive the right level of support at the right time?

[Amber Rudd]

I thank my hon. Friend for his question. He has raised this issue with us before. He is right that we need to ensure that universal credit delivers on what it intends to do, which is to give real time financial support based on an actual month’s assessment. We have recently updated the guidance for universal credit so that work coaches can adjust to ensure that where the situation he describes occurs, appropriate adjustments are made.

Oral Answers to Questions

Kevin Hollinrake Excerpts

Monday 15th October 2018 Commons Chamber

[Mr Speaker]

We now come to topical questions. Brevity is of the essence.

[Kevin Hollinrake (Thirsk and Malton) (Con)]

T1. If she will make a statement on her departmental responsibilities.

[The Secretary of State for Work and Pensions (Ms Esther McVey)]

When we were here last, Members in all parts of the House were asking whether Citizens Advice could be more involved with universal credit. I am pleased to inform them today that I went away and secured that agreement, and that Citizens Advice, as an independent organisation, will be giving universal support and assisting claimants with universal credit.

[Kevin Hollinrake]

Universal credit was introduced in my constituency early in 2017. Although there were initial problems following the changes made by the Government at the end of last year, Citizens Advice has reported a significant reduction in the number of difficulties. Jobcentre Plus staff also report a very positive effect in getting people back to work. Does that endorse the principle that we should seek not to reject universal credit, but to reform it?

[Ms McVey]

My hon. Friend is right. Work coaches are saying that this is the best system that they have ever had. It has been helping 1,000 people into work each and every day since 2010. My hon. Friend is also right to say that when we see that things need to be improved and adapted, we listen, we learn, and we change it as it goes.

Oral Answers to Questions

Kevin Hollinrake Excerpts

Monday 5th February 2018 Commons Chamber

[Ms McVey]

One thing on which both of us will agree—on which, indeed, Members in all parts of the House will agree—is that no child should be growing up in poverty. If we take action to ensure that families are working, those children will not be in poverty. We know for certain that if a child’s family are working, that child is much less likely to be in poverty when it grows up and is more likely to attain higher school qualifications. That is the action that this Conservative Government are taking.

[Kevin Hollinrake (Thirsk and Malton) (Con)]

T3. Ryedale citizen’s advice bureau has seen a significant drop in the number of universal credit problem cases as a result of the measures introduced by my right hon. Friend and her predecessor, but we are seeing instances of advance payments being used to clear debts. What help and advice is being given to claimants in respect of budgeting and support, so that they can clear problem debts sensibly and sustainably?

[The Minister for Employment (Alok Sharma)]

Through universal credit, we are providing personal budgeting support, which is available through conversations with work coaches. That is making a great difference to those who need such help.

Financial Guidance and Claims Bill [Lords]

Kevin Hollinrake Excerpts

2nd reading: House of Commons
Monday 22nd January 2018 Commons Chamber

[Ms McVey]

First, debt is not rising. It has actually fallen over the past eight years, but it is still too high. This new body will offer guidance and advice, so that people understand what loans they are taking out and, fundamentally, what paying them back will mean for them. Secondly, we are today putting in place the legislative framework to set up the body, but it will determine the key things it wants to pursue. I am convinced that it will listen to the advice that the hon. Gentleman and others put forward.

The new body will also provide advice on a breathing space scheme, providing additional support to the Government’s policy development. The scheme will allow an individual in problem debt to apply for a period of protection from further fees, charges and enforcement action, alongside establishing a statutory debt management plan. One of the new body’s key functions will be to support over-indebted consumers, ensuring the provision of high-quality debt advice that is free at the point of use. Last year, the Money Advice Service spent £49 million to fund 440,000 debt advice sessions. We want the new body to build on that good work.

[Kevin Hollinrake (Thirsk and Malton) (Con)]

Further to the point that the hon. Member for Nottingham East (Mr Leslie) made about financial resilience, is the Secretary of State aware that household debt as a proportion of household income rose from 93% to a peak of 157% in 2008, under the previous Government? Does not that demonstrate that these kinds of measures are essential in helping people to make sensible choices about their finances?

[Ms McVey]

My hon. Friend makes a good point. Household debt rocketed under the previous Labour Government, and we are now ensuring that it comes down, because it is still too high. I particularly appreciate that the Bill has cross-party support, because we all know that we need to help people who are in debt.

As a result of a range of broader reforms and initiatives, such as automatic enrolment, which has increased the number of people saving into pension schemes and the pension freedoms that allow anyone aged 55 and over to take their whole pension as a lump sum without paying tax on the first 25%, the number of people looking for high-quality, impartial financial guidance continues to rise. We look forward to the new body meeting those challenges, building on the existing good work of the Money Advice Service, the Pensions Advisory Service and Pension Wise.

Universal Credit Roll-out

Kevin Hollinrake Excerpts

Tuesday 24th October 2017 Commons Chamber

[Kevin Hollinrake (Thirsk and Malton) (Con)]

The hon. Lady said earlier that the up-front payment is, in her words, a loan. If it was not a loan, it would increase the overall quantum of benefit paid to recipients. Is that what she is proposing?

[Debbie Abrahams]

I will say exactly what I am proposing very shortly.

If the Government’s position is that Opposition day debate motions should have no binding effect on the actions of the Government, it fundamentally alters the relationship and balance of power between the Executive and Parliament. It would mean that apart from votes on legislation and matters of confidence, the Government could ignore the decisions and will of Parliament. This is very dangerous ground, and the situation needs to be seen in the context of the blatant power grab by the Executive that we witnessed on Second Reading of the European Union (Withdrawal) Bill last month.

--- Later in debate ---

[Debbie Abrahams]

Absolutely. Surely what is happening is not right, so we must stop this.

I will now make some progress, although I will take more interventions later. People might not have kept up with the hundreds of stories that we have heard from colleagues on both sides of the House, but we must make sure that the Government’s flagship programme is amended to take account of the real hardship that people are experiencing. We have heard about that hardship not just from claimants, but from charities that deal with claimants, as well as many other organisations.

There are three key issues with universal credit: the programme’s design flaws, which have been there from the outset, as I mentioned last week; the cuts that were introduced in 2015; and various implementation failures. First, I will talk about the programme’s flaws. The six-week wait before new claimants receive any payment is particularly draconian, and it is having real impacts. Four weeks of the waiting period are to provide that universal credit can be backdated, but an additional week’s wait was added as policy, and claimants must wait a further week for their payment to arrive. That is believed to be one of the primary drivers of the rise in debt and arrears.

[Kevin Hollinrake]

The hon. Lady talks about a six-week delay before any payments are received, but she will be aware that up-front payments are made available at the initial stage, so does she accept that that is not quite the case?

[Debbie Abrahams]

No, I do not.

It is so important to stress that half of those in rent arrears under universal credit entered arrears after making a claim. We know that one in four is waiting more than six weeks, and one in 10 is waiting more than 10 weeks.

--- Later in debate ---

[Kevin Hollinrake]

The hon. Lady says there is mayhem. In my area, universal credit was rolled out 15 months ago, and although there are undoubtedly some problems, it is certainly not mayhem, and the measures introduced by the Government in recent weeks will fix the vast majority of the problems. So may I give the hon. Lady, and hopefully her constituents, the comfort that this will not be mayhem?

[Carolyn Harris]

I do not agree, and I can give examples from the summer when there was mayhem, even before this system came into operation.

How can Conservative Members be so oblivious to the predicament they are putting people in? [Interruption.] If they quieten down, they will be able to listen to what I have to say.

During the summer holidays I became aware of the empty shelves in my local food bank. These shelves were empty because mothers could not afford to feed their children. They were relying on the free school meals during term-time, but during the school holidays they had no choice but to visit the food banks. So I decided to do something: I set up a lunch club for local children. I anticipated that me and my team would feed around 500 children, yet we ended up feeding 6,638 over 10 days. That was the scale of the problem, and that was before universal credit.

So how on earth are my constituents going to cope at Christmas with less money coming in and an even greater demand for money going out? Should I start planning a Christmas lunch club now, and asking local companies for donations yet again, or will the Government please open their eyes, look at the situation they are creating, and put a hold on the roll-out until the fundamental flaws of this ridiculous universal credit are resolved?

--- Later in debate ---

[Kevin Hollinrake (Thirsk and Malton) (Con)]

It is a pleasure to follow the hon. Member for High Peak (Ruth George), who has made some sensible points about the Government listening and our not wanting to get people into debt at the start of this difficult time in their lives.

Universal credit was introduced into Thirsk and Malton 15 months ago, and I am in no way ignorant or in denial; nor do I lack compassion about some of the difficulties that have been caused. In my experience, the vast majority of people have not suffered difficulties, but some have. Those difficulties fall into two different categories: technical and structural.

The technical difficulties are to do with mistakes, both by the user entering into the system and the people administering it at the benefits end of the system. There have been difficulties, and I have written to the Minister about them and know he will respond in detail. There are also structural difficulties with the monthly payment cycle, when many of my constituents, especially at the lower end of the income scale, get paid weekly. That has caused some cash-flow problems for some of my constituents.

Do I want to go back to the old system, or do I want a pause? I absolutely do not. Like many colleagues in this place, I have met staff at my citizens advice bureau, and have sat in on consultations with people accessing benefits, some of whom said before to the introduction of universal credit, “I cannot work more; there is a 16-hour limit on how much I can work.” The CAB itself has advised that that is the position. We do not want to return to that situation. We also do not want to return to a situation that is less effective at getting people into work and keeping them in work.

I also make a plea for the taxpayer in this debate. There are two sides to this coin. As the Prime Minister said last week, the Government have no money: all money is simply collected from the taxpayer and redistributed. Since the partial introduction of this basket of reforms, there are now 700,000 fewer workless households, and 40,000 households where people have never previously worked who are now in work. That is a benefit both to the taxpayer and the people in those households, particularly the young people in them. There has therefore been a fundamental improvement in many cases

I made the point earlier that the shadow Minister, the hon. Member for Oldham East and Saddleworth (Debbie Abrahams), described the upfront payment as a loan. Will she clarify that point? Is she saying that she does not want to make it a loan, but instead wants to make it an extra payment? That would add a burden on the taxpayer; that will mean more money has to come from the taxpayer. If that is what she wants, she should clearly set out her spending plans and calculate what extra payments she is going to make. Would that be fair, too, to those who do not ask for the upfront payments? We must take the taxpayer into account in our discussions on this matter.

I would unquestionably like to see some changes, particularly to shorten the timescale from six weeks to ease the burden on some of my constituents who are paid weekly and to make sure the upfront payments are available and also publicised to all who apply for universal credit. It would also be sensible to make more people aware that rent can be paid directly to the landlords in the social housing and private rented sectors and to have more training and ownership for the people who work to deliver these benefits. Other than that, I absolutely welcome this change.

Oral Answers to Questions

Kevin Hollinrake Excerpts

Monday 9th October 2017 Commons Chamber

[Mr Speaker]

If the hon. Member for Thirsk and Malton (Kevin Hollinrake), who has a similar inquiry at Question 17, were standing, I would call him, but if he is not, I will not—

[Kevin Hollinrake (Thirsk and Malton) (Con)]

rose—

[Mr Speaker]

He is now, so I will.

[Kevin Hollinrake]

17. Many of my constituents get paid weekly, and real cash-flow problems can be caused if they move from a weekly payment to a monthly payment cycle. Will the Minister set out what we are doing to help deal with these cash-flow problems? Will we keep these measures under review to make sure we provide a workable solution?

Housing and Social Security

Kevin Hollinrake Excerpts

Thursday 22nd June 2017 Commons Chamber

[John Healey]

We need to do both, of course. The major flaw with Help to Buy is that nearly a fifth of the people being helped to buy through the scheme are not even first-time buyers. Nearly 4,000 being helped by Help to Buy are on incomes of more than £100,000. It is not well targeted and it is not good use of public money. It could be spent much better, especially on helping younger people on ordinary incomes to get their first foot on the housing ladder.

[Kevin Hollinrake (Thirsk and Malton) (Con)]

The right hon. Gentleman says that a £100,000 income should be too high to qualify for Help to Buy. What level would he set it at?

[John Healey]

We would be happy to consult on that. My main argument is with Ministers. They are making the wrong judgments and they are not putting in place the help that young people need in particular. That is why—the hon. Gentleman may know this—the number of homeowners under 45 has fallen by 900,000 since 2010. Young people’s hopes and dreams of ever owning their own home are being completely dashed, and the Government have no plan in this Queen’s Speech or in their manifesto to fix that.

In truth, the Prime Minister is locked in place by her party only until its members judge that they can dump her without facing the British people again in a fresh election. It was Margaret Thatcher who said:

“Minority Governments can only struggle on from day to day with a series of short-term measures. They can’t and don’t tackle the longer-term questions that affect the future of our nation and the wellbeing of all of us.”

The question for the Queen’s Speech is whether the “short-term” will be days, weeks or months. On 8 June, the Prime Minister asked the people for their judgment on seven years of Conservative Government, and they gave it. Real wages have fallen, Government debt has risen, investment in new transport and housing has been slashed, the NHS is in crisis, schools are cutting teachers and last year, more than a million people used a food bank. At the same time, there have been big income tax cuts for the top earners, with more tax cuts to come for the richest on wealth that they do not even earn. We have had seven years of failure and a party with no answers to people’s problems, no hope for the future, and no plan to change the country for the better or to make government work in the interests of all.

--- Later in debate ---

[John Healey]

Good. It is a small number, and it has a zero in it—and nothing else.

Let me return to the serious points that I wish to make. Secondly, let me say to the Secretary of State that all markets, organisations and consumers need regulation to guarantee safety, ensure fair practices, safeguard standards and stop abuse; yet that is not the mindset of current Conservative Ministers. Never again can a Minister who is challenged on fire safety measures say, “It is not the Government’s responsibility,” and justify it by citing the Government’s “one in, two out” rule on regulations. That must change.

[Kevin Hollinrake]

The right hon. Gentleman must accept that it was this Government who introduced improved regulations insisting on the installation of smoke alarms and carbon monoxide detectors in homes in the private rented sector, and, for the first time, required electrical safety checks and checks on appliances from this autumn.

[John Healey]

But my goodness, didn’t people—including us—have to argue hard for those basic regulations? Why did the hon. Gentleman and his colleagues, when the Bill that became the Housing and Planning Act 2016 was going through the House, reject intervention and regulation to ensure that all private landlords at least made their homes fit for human habitation before letting them? This is a Government whose mindset can see regulation only as red tape, and who do not see what the Prime Minister described as the important role played by good regulation in the public interest.

[John Healey]

This is precisely about politics. This is precisely what the House should do, and, in fact, it is precisely about what the Prime Minister said this morning. Indeed, my third point follows on from the point that she made when she talked about the fundamental issues that underpin the detail of what we have also been discussing.

Sections of our people feel marginalised and ignored, and that is what happened to the tenants at Grenfell Tower. It is no good the hon. Gentleman huffing and puffing; the Prime Minister said that this morning. She recognised it. However, this is a Government whose housing regulator has now dropped any real requirement for the voice and views of tenants and residents on governing boards to be heard, and who, in 2010, abolished the National Tenant Voice, which we had set up. Its establishment resulted from a report called “Citizens of equal worth”. Many Grenfell Tower residents, and other social housing tenants, will feel that that rings hollow in this day and age.

Let me now deal with the specific failures on housing. Two thirds of people now believe that the country is experiencing a housing crisis. Everyone knows someone who is affected—people who are unable to obtain a home that they need or aspire to. Many of the housing decisions made by Ministers since 2010—decisions that the Secretary of State boasts about—have made the problems worse. Because Ministers have done too little for first-time buyers on ordinary incomes, home ownership has fallen to a 30-year low. They have given private landlords a freer hand and rejected legislation requiring properties to be fit for human habitation, so 11 million private renters have fewer consumer rights than they have when they buy a fridge-freezer. They have stripped away protections for people who need help with housing, so the number of people sleeping rough on our streets has more than doubled. They have cut investment and outsourced responsibility for building new homes to big developers, so, on average, fewer new homes have been built since 2010 than under any peacetime Government since the 1920s. That is the track record of the Secretary of State and his colleagues.

After seven years of failure, it is clear that the Conservatives have no plan to fix the country’s housing crisis. Some of what the Secretary of State has said this afternoon, and has said before, about house building and tenants’ fees is welcome, but there is nothing in the manifesto or in the Queen’s Speech to tackle the wider causes of the housing crisis.

[Kevin Hollinrake]

Will the right hon. Gentleman give way?

[John Healey]

I have given way twice to the hon. Gentleman, and I want to finish my speech so that others can speak.

There is nothing to change the scandal of rising rough-sleeping homelessness. There is nothing to deal with the lowest level of new affordable house building in 24 years, nothing to reverse the rapidly falling level of home ownership among young people, nothing to secure supported and sheltered housing for the future, and nothing to scrap the hated bedroom tax.

However, there is an alternative, as we showed in our Labour manifesto. It is possible to fix the failings in the housing market and in housing policy. I am not just talking about a fully-fledged new Department for Housing to reflect the seriousness of the crisis, to spearhead our new deal on housing and to tackle the crisis. I am talking about a new deal for first-time buyers, with no stamp duty, guaranteed “first dibs” on new homes built in their local areas, and 100,000 new FirstBuy homes at a discount price linked to local average incomes. I am talking about a new deal for homeowners to stop leaseholders being ripped off, and a new homeowner guarantee to help people to pay the mortgage if they lose their jobs. I am talking about a new deal on house building, with at least a million new homes built over the current Parliament, and a new target for 250,000 new homes a year to be built by 2022, a level that should then be sustained each year for the five years of the next Parliament.

I am talking about a new deal on affordable homes. I am talking about building at least 100,000 genuinely affordable homes to rent and buy a year, with the biggest council house-building programme in more than 30 years. I am talking about a new deal for private renters to establish new consumer rights, with legal minimum standards, as well as making three-year tenancies the norm, with an inflation cap on rent rises. Finally, I am talking about a new deal on homelessness, involving a new national mission and plan to end rough sleeping—not some time in the future, as the Secretary of State says, but during the next Parliament.

Ministers have no domestic programme in the Queen’s Speech, and no majority in the House of Commons. I offer them our new deal on housing: a deal between the people of this country and the Government, and a bold, long-term plan to start to fix our country’s housing crisis and meet people’s housing needs and aspirations. If they too are willing to offer people that hope, I offer them Labour’s support as they put it into practice; but if they are not, they will have to make way for a party that can change the country for the better, and can make government work for the many and not the few.

--- Later in debate ---

[Kevin Hollinrake (Thirsk and Malton) (Con)]

It is a pleasure to speak in this debate and to follow such excellent maiden speeches from Members on both sides of the House. I was here to listen to the tremendous contribution made by my hon. Friend the Member for Middlesbrough South and East Cleveland (Mr Clarke)—the first, I am sure, of many in this House.

I must draw the House’s attention to my entry in the Register of Members’ Financial Interests. I have been involved in the property market for 25 years and am still involved. I am deeply passionate about it, and I am very pleased by the Government’s clear and ambitious plans to increase house building by 1 million homes between 2015 and 2020, and by 500,000 more by 2022. Those are very ambitious plans.

I am delighted to see that the shadow Secretary of State is back with us in the Chamber. I tried to intervene on him earlier to question one or two of the facts that Opposition Members keep repeating. They keep saying that since 2010 house building has fallen to its lowest level since the 1920s, but the House of Commons Library shows that some 100,000 houses were built in 2009-10, and 153,000 in 2016. Where do these figures come from? The claim is that affordable housing building is at a 24-year-low—the shadow Secretary of State can intervene on me on this point—but we know that in the past six years we have built 304,900 affordable homes, and in the last six years of the Labour Government, 294,000 affordable homes were built. Members can choose their own opinions, but they cannot choose their own facts.

[Ms Buck]

Is the hon. Gentleman querying the Department for Communities and Local Government’s own statistics, on its website, which show that there has been a 97% drop in the number of social housing completions since 2010? Those figures are there on the website now to be inspected.

[Kevin Hollinrake]

The hon. Lady raises a valid point. There is a different definition. Social housing is part of the overall definition of affordable housing—that is true. The shadow Secretary of State will tell the hon. Lady that that is true. It is also true that we are building more affordable homes than the Labour Government were in their final six years in office.

Building more homes has to be our objective and Members on both sides of the House will agree that we must reform the planning process to deliver more homes and release more land, whether that is brownfield or greenfield. That must take up some of the slack to deliver the amount of housing we need.

We need not just to deliver more land but to reinvigorate some of the sectors of house building on which we have come to rely. Some of that is about our local authorities, and the Select Committee on Communities and Local Government reported on that just before Dissolution. We believe that local authorities should be given the opportunity and more levers to increase house building to previous levels—they were building about 100,000 homes a year back in the 1970s—but only if those houses are properly designed and communities are designed properly around those developments.

The key element of reforming planning to deliver more homes is the role of small and medium-sized enterprises in house building. In 2008, SMEs built 44% of new homes delivered in this country. Today, they deliver 26% of homes. It is not just about land; it is also about capacity. The difficulty for small house builders is that they cannot find the land. That is the primary difficulty: finding access to the land and to the finance.

A White Paper from the Department has accepted that we need to deliver more housing for more small sites, and proposes that in the future, instead of local authorities simply allocating a huge site that is ideal for a huge house build and drawing a big red ring around it, which is probably easier for those local authorities, a certain number of sites in that local plan must be allocated for smaller sites and for small and medium-sized enterprises. It recommends that 10% of those sites should be half a hectare or less. That is good progress, but we need to go further if we really want to get small builders back into the business of building houses. It is critical that they do that.

The other principal problem is finding finance. It is almost impossible for an SME house builder to get finance for their developments. The Government have recognised this with their £3 billion home building fund, but we need to go further. We need to ensure that the mainstream high street banks lend to those SMEs. Those banks are their first port of call, but that is a difficult conversation at the moment. In Germany, the state-backed bank, KfW, sits behind the loans to SME house builders, meaning that builders can keep building. Through that, Germany has been far more successful in ensuring that there is a mixed delivery of house building.

For the next couple of minutes, I will focus on something else of huge significance to the industry: the tenant fees ban. I am still involved in the business and I am told by my finance director that the ban will cost us around £800,000 a year, so hon. Members might think that I am against the legislation, but I support the fee ban. I recognise that there is a problem. It cannot be right that when a tenant finds a property they want, they are susceptible to charges of which they were not aware and which can vary wildly between different letting agents.

All legislation that we bring forward in this place cannot just be about the measures. Delivery—the oversight and enforcement—is also needed. My concern is whether the measure will be delivered with that proper oversight and enforcement. The team that currently manages that within the sector is the National Trading Standards Estate Agency Team near Bangor. That team does not have the capacity to deliver the necessary oversight. We need to ensure that if this legislation is brought forward, it drives out the cowboy operators, who will try to find a way around the rules, which cannot be right. If the legislation is well thought through, it can include new measures about rental property standards. We need to ensure that the rented property sector delivers an appropriate standard of rented accommodation.