Climate Change: Housing Insurability, Mortgage Lending and Financial Resilience

Debate between Lord Campbell-Savours and Lord Forsyth of Drumlean

Monday 13th July 2026 Lords Chamber

[The Lord Speaker (Lord Forsyth of Drumlean)]

My Lords, the noble Lord, Lord Campbell-Savours, is taking part remotely. I invite the noble Lord to speak.

[Lord Campbell-Savours (Lab) [V]]

My Lords, on housing insurability, what consideration is being given to the problem of premium escalation and refusal to insure in areas that have not flooded but are shown as at risk on flooding mapping due to climate change? Would it not be helpful if we could have some review on how local authorities disseminate such information, its effect on premiums and how it is used during property conveyance? I declare an interest as a resident of an apartment where flood protection measures have enabled us to avoid the increased premiums I am referring to in this question.

Pharmacy Closures

Debate between Lord Campbell-Savours and Lord Forsyth of Drumlean

Wednesday 1st July 2026 Lords Chamber

[The Lord Speaker (Lord Forsyth of Drumlean)]

My Lords, the noble Lord, Lord Campbell-Savours, is taking part remotely. I invite the noble Lord to speak.

[Lord Campbell-Savours (Lab) [V]]

My Lords, while we all will welcome this year’s very significant increase in funding, which greatly helps the viability of small chemists, we have a real problem in Cumbria, with its small towns, rural communities and limited chemist availability. Could we go further where the result of non-viability is problems in primary healthcare? Could we allow the remaining chemists greater flexibility and discretion in making changes to the strength, quantity and formulation in prescriptions? This could help to relieve the impact on primary healthcare services.

Home Ownership: First-time Buyers

Debate between Lord Campbell-Savours and Lord Forsyth of Drumlean

Monday 22nd June 2026 Lords Chamber

[The Lord Speaker (Lord Forsyth of Drumlean)]

My Lords, the noble Lord, Lord Campbell-Savours, is taking part remotely. I invite the noble Lord to speak.

[Lord Campbell-Savours (Lab) [V]]

My Lords, I return to my previous contributions on building housing on land acquired at agricultural prices, which is of particular benefit to young buyers. Can we look at developments in Hammarby in Sweden and Nijmegen in Holland, where there have been major housing developments in both locations on land acquired at reduced cost? All I ask is that we look at these precedents and consider whether, with a review of land title on housing sold on such land, we could similarly build in the United Kingdom and help young buyers.

Affordable Housing: Young People

Debate between Lord Campbell-Savours and Lord Forsyth of Drumlean

Monday 8th June 2026 Lords Chamber

[The Lord Speaker (Lord Forsyth of Drumlean)]

My Lords, the noble Lord, Lord Campbell-Savours, is taking part remotely; I invite the noble Lord to speak.

[Lord Campbell-Savours (Lab) [V]]

My Lords, with land plots for housing often exceeding the cost of home construction, does that factor alone not act as a real disincentive to the development of housing for sale at realistic, affordable prices? Why do we not establish a study into the relationship between land pricing and housing development costs? The study could consider proposals for building on land acquired at agricultural prices and sold under new forms of housing registration and land title arrangements, but which, at the same time, with other measures, could protect investment in existing freehold.