(3 years, 7 months ago)
Commons ChamberI begin by thanking the Father of the House for his very kind comments. Certainly, we have worked together on these issues. I congratulate all the members of the Select Committee as well. We have looked at the issue of building safety, particularly cladding, on a number of occasions, and we have produced a number of reports, all of them unanimously. It is to the credit of all members of the Committee—I notice that the next speaker will be the hon. Member for Harrow East (Bob Blackman), who is an important member of the Select Committee—that we have done so on a cross-party basis.
I will quote one or two of our very clear recommendations. In 2019, we said that the Government should provide funding to remove
“any form of combustible cladding…from any high-rise or high-risk building”,
regardless of height. In our 2020 report, we recommended:
“The Building Safety Fund will need to be increased to address all fire safety defects in every high-risk residential building—potentially costing up to £15 billion.”
Then we did pre-legislative scrutiny of the Building Safety Bill, and we said:
“The Government must recommit to the principle that leaseholders should not pay anything towards the cost of remediating historical building safety defects”.
We have been very clear on all those matters: leaseholders should not pay. They should not pay some unidentified, affordable amount or fair amount, and neither should we get into a position of offering them loans to pay off the debts, because what do loans do but put leaseholders in more debt? At the same time, loans would put many of them into negative equity.
The leaseholder should not pay, and we know that developers and others eventually should be held accountable, but as the Father of the House has just explained, so many potential organisations could be held accountable and the legal arguments will go on and on. Many of the developers have gone out of business and do not exist anymore. Yes, we should pursue them, but in the meantime, the Government have to stand up and commit far more funding than is in the Building Safety Bill, which simply does not cover anything like the £15 billion of potential costs. Eventually there might need to be an industrial levy to pay part of it, and it is for the Government to come forward with recommendations, if they so choose.
The issue is not just about high-rise buildings over six storeys—I think the Minister has accepted that point. It is about all buildings where people could be at risk, including residential homes, care homes and so on. It is also not just about cladding, but about all potential fire risks in buildings, such as dangerous balconies, faulty fire doors, missing firebreaks and faulty installation —all the things together that need putting right to make the buildings that people live in safe.
Finally, we talk about numbers, but in the end behind all these numbers are individuals and families living in potentially dangerous buildings with debts around their neck that they cannot afford to pay, unable to sell their homes if they so wish. We owe it to them to get action on this issue immediately.
(3 years, 7 months ago)
Commons ChamberLet us head to the Chair of the Housing, Communities and Local Government Committee, in Yorkshire, Clive Betts.
Thank you, Mr Speaker—happy new year to you. I am sure it would be remiss of me if I did not say that your local constituency football team have made rather a good start to this year.
In saying happy new year to the Minister as well, I am sure he would want it to be a happy new year for all leaseholders, but he did not really answer the question from the hon. Member for Bromley and Chislehurst (Sir Robert Neill). Even if a loan scheme were introduced to cover the costs of these defects, and even if it was a very low-interest scheme, that would still be a capital charge on properties—a capital charge that would be a considerable financial burden on leaseholders, would put many of them into negative equity, and would mean that their properties were unsaleable. Will the Minister accept that a loan scheme that puts an additional debt on leaseholders is not a fair way out of this problem and that he should instead look to the industry and to Government to cover the cost of putting these defects right?
The Chair of the Select Committee is absolutely right—we should look to developers and to building owners to remedy the defects in their buildings. We have made available to owners who are not able to remedy those defects quickly and effectively £1.6 billion in order to remedy those defects. As I said in my earlier answer, we do not want and we do not expect hard-pressed leaseholders to bear unfair costs of defects for which they are not responsible. That is why we are working quickly to bring forward a long-term solution to ensure that costs are met, that defects are remedied, and that the position that leaseholders find themselves in is remedied too.
(3 years, 8 months ago)
Commons ChamberMy hon. Friend makes an important point, and I share his desire to have a multi-year settlement for local government. Obviously, this year has proved a unique one, in which the kaleidoscope has been shaken in many respects and will take time to settle. I hope that when we come to do the settlement next year it will indeed be a multi-year one. I believe that that is the expectation of my right hon. Friend the Chancellor, but he will no doubt give confirmation in due course, as we see how 2021 turns out.
On local councils in tier 3, we are providing further funding for both councils themselves and their local business community, on a month-by-month basis, if they are in tier 2 or tier 3. The purpose of today’s settlement, in looking ahead to the likely covid expenditure that councils will face next year, is to ensure that both in respect of the month-by-month costs that councils are incurring, which have been about £500 million a month, and the losses they are incurring in sales, fees and charges, they at least have forward guidance to the middle point of the next calendar year. Of course we all hope that by Easter, and certainly by the summer, the position in the country and within councils will be dramatically different.
On behalf of the Select Committee, may I join both Front Benchers in thanking councils up and down the country for the brilliant job they have done in keeping services going and communities safe in the past few terrible months? The Government are forecasting a 4.5% increase in spending power for local authorities, and the assumption there is that councils will put up council tax by 5%, including the 3% for social care, all in one year. Although councils have the discretion to decide on that, will he confirm that the spending power in his statement assumes that all councils will put their council tax up by 5%? There is a forecast in here about ongoing covid costs. Does he accept that those costs might be greater? If they are, on an unforeseen basis, will the Government stand ready to provide extra money for councils if they can show that their costs are in excess of what the Government are so far calculating?
I thank the Chair of the Select Committee for all his work and that of his Committee over the year. He is right to say that the figures we quote of an up to 4.5% real-terms cash increase in core spending power are dependent on the choices that local councils make in the weeks and months ahead, but one would expect that; local councils and the local democratic process will have to balance up the competing interests of providing public services and ensuring that hard-working people are not facing excessive increases in local council tax, and those will be different judgments in different parts of the country.
I will of course keep the covid costs being incurred by local councils under review. We have made good on our promises time and again since the start of the pandemic. Early in the pandemic, the Local Government Association came before the hon. Gentleman’s Committee and estimated that costs incurred by local councils would be around £10 billion. We are going to end this financial year having provided local councils with, I suspect, about £10 billion, and we are providing further billions of pounds into next year. So we can see the Government’s commitment and determination to support local councils.
(3 years, 9 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.
Each Urgent Question requires a Government Minister to give a response on the debate topic.
This information is provided by Parallel Parliament and does not comprise part of the offical record
I know that my hon. Friend works tirelessly for his constituency and local economy. It is so important that we get together to look at the high street, because many of these conversations were about what the high street will look like in 10 or 15 years’ time, but now they are about what the high street will look like next year and maybe only the year after. We have to get a speedy but holistic response.
The business rate relief for retailers this year has been welcome, but it was obviously not sufficient for Debenhams and Arcadia and all their employees, who will tragically lose their jobs just before Christmas. There is a fundamental unfairness in the fact that Amazon pays only 0.7% of its turnover in business rates and high street retailers pay 2% or more. Last year, the Housing, Communities and Local Government Committee suggested that the Government look at bringing in a digital sales tax and use the money to provide long-term business rate relief for retailers on the high street. Given that the Government promised to look at business rate reform in 2015, will they now get on with it and give that certainty of reduced business rates to the high street as a matter of urgency?
That is an important question, and it is exactly why we are doing fundamental business rates reform. The first stage of the consultation has ended, and we will respond in the new year, but we need to have a comprehensive approach to tackle this both online and offline.
(3 years, 9 months ago)
Commons ChamberTo ask the Secretary of State for Housing, Communities and Local Government if he will make a statement on whether leaseholders are expected to pay for the removal of dangerous cladding from their homes.
I congratulate the hon. Member for Sheffield South East (Mr Betts), the Chair of the Select Committee on Housing, Communities and Local Government, on securing the urgent question, which is of huge interest and concern to many of our constituents up and down the country.
The question of who pays for remediation works is key for the Government and many of our constituents. We have been clear that leaseholders should not have to worry about the cost of fixing historical safety defects in their buildings that they did not cause. Test have shown clearly that aluminium composite material—the kind of cladding found on Grenfell Tower—is the most dangerous form of cladding material. We continue to engage with building owners, regulators and the wider industry to ensure that it is removed from high-rise residential buildings as quickly as possible.
ACM remediation costs are being funded through several sources, including warranties, building owners and developers. We have provided £600 million to fund the removal of ACM where funding has been a key barrier to remediation and the Chancellor of the Exchequer has allocated a further £1 billion to be spent on removing other types of unsafe cladding over the current financial year.
It is important to remember that this is a multi-year problem. Remediation work cannot be done overnight and it must be done properly so that it makes buildings and residents safe. That forms part of the ongoing discussion that my right hon. Friend the Secretary of State has with other Departments.
However, I am clear, and I hope that the House is clear, that public funding does not absolve the industry from taking responsibility. We expect developers, investors and building owners who have the means to pay to cover remediation costs themselves without passing on costs to leaseholders, but we recognise that there are cases where that might not be possible, and cases where there may be wider costs relating to historical defects. The Government are determined to identify suitable financial solutions and remove barriers to remediation.
The Government have asked Michael Wade to accelerate his work with leaseholders and the financial sector to develop proposals to protect leaseholders from the costs of remediating historical defects wherever possible. However, we must also ensure that the bill does not fall wholly on taxpayers. We will update leaseholders on that work before the Building Safety Bill, which has just completed its prelegislative scrutiny, is introduced in Parliament.
Thank you, Mr Speaker, for giving me the opportunity to ask my urgent question. The Housing, Communities and Local Government Committee has just carried out prelegislative scrutiny of the draft Building Safety Bill. In general, the Bill is very welcome. It implements the recommendations of the Hackitt report, post Grenfell. However, clause 89 contains provisions for leaseholders to be charged a building safety charge. That could cover future costs, but it could also be used to recover the cost of historical defects, such as the removal of dangerous cladding. That is the concern.
I have a number of questions for the Minister. First, will he confirm very clearly and straightforwardly that leaseholders should not have to pay any of the costs of removing dangerous cladding from their homes, as has been the Government’s policy for some time? Those leaseholders bought their properties in good faith. They have not done anything wrong and they should not be financially distressed as a result.
If the Minister thinks that leaseholders should have to pay something—the Building Safety Minister said to the Select Committee that he thought an affordable amount was reasonable—how would he define an affordable amount? The Building Safety Minister said it was something that did not bankrupt an individual. However, if leaseholders are not going to pay—I hope the Minister will confirm that point—I accept that he should pursue developers, freeholders and others. In the meantime, if developers have gone out of business or are refusing to pay, does the Minister accept that, at least in the interim, the Government are going to have to step in and fund all the costs?
If the Minister accepts that point, does he also accept that the £1.6 billion so far made available to remove dangerous cladding will be totally inadequate? The Select Committee heard that to make all high-rise buildings totally safe and remove all defects, the total bill could be as high as £15 billion. Leaseholders should not have to pay that.
Finally, does the Minister accept that, without assurances on these points, many people are going to have a very miserable Christmas? They are trapped in properties they cannot sell, that they often cannot insure and where they are having to pay for waking watches, and wondering how on earth they are going to pay the bills that could arrive on their doormats at any time.
I am grateful to the hon. Gentleman for his urgent question and for welcoming the proposals that we have tabled in the draft Building Safety Bill. He asks a number of important questions.
First, the hon. Gentleman asks whether the building safety charge will be retrospective. We envisage that the building safety charge will cover ongoing costs that leaseholders may have to pay for legal costs, building safety inspections and the like. In our proposals, we have said that the Secretary of State will be able to prescribe costs to ensure that unfair building safety charge costs do not fall unreasonably on the leaseholder.
We will of course look very carefully at the 80-page report from the Select Committee. I think there are somewhere north of 40 recommendations in the report. We want to look at it carefully and considerately, because we recognise it forms an important part of our answer to the challenge of building safety. I hope that we can develop a cross-party approach to our further scrutiny of the Bill when it comes before Parliament.
The hon. Gentleman asked me whether leaseholders will pay any costs at all. The point of introducing £1.6 billion of public money is to make sure that in the buildings that are most at risk and where there is no means to pay, the state steps in and supports those leaseholders, but, fundamentally, we expect developers and owners to step up and execute their responsibility to pay where buildings have been defective.
I cannot say that there will not be some costs at some point related to some defect in historical building safety that will not fall upon the leaseholder, but we want to make sure, through the public money that we are spending and through the work of Michael Wade, that we find innovative solutions to make sure that such costs are as minimal as possible. We cannot write an open cheque on behalf of the taxpayer. That would send the wrong signal to developers and those who are responsible for these buildings that they do not have to pay because the taxpayer will.
The hon. Gentleman asks about my noble Friend the Building Safety Minister in the other place. I can tell him that Lord Greenhalgh is working round the clock to find solutions to the challenges that face leaseholders up and down the country. He is determined, with the work that he is doing with insurers, developers and the financial services sector, to ensure that we come up with those solutions, and I look forward to working with him closely as the Bill, which he will introduce to Parliament, works its way through both Houses.
(3 years, 9 months ago)
Commons ChamberI am obliged to the hon. Gentleman for his question. He will know, with respect to ACM cladding, that we have made £600 million available to remediate the most dangerous buildings. Something like 97% of buildings with ACM cladding have either completed or started their remediation. As a result of the expert support we have provided to private building owners, we have supported something like 100 ACM projects to remediation. With respect to the £1 billion fund for non-ACM-clad buildings, I can tell him that we have had a very significant number of applications, which have worked through. A very significant number have now been asked to make further information available, so we can advance those applications. We will get the money out of the door as quickly as we can. We will also encourage builders and owners to remediate the buildings themselves, because that is what they are obliged to do. It should not fall on the taxpayer to pay for remediation. It is the responsibility in the first case of building owners, through their warrantee schemes or through the original builders.
Could the Housing Minister clarify the Government’s policy on what costs leaseholders should have to bear for the removal of cladding? On 20 July, the Secretary of State, in a written statement, very helpfully said:
“The Government are clear that it is unacceptable for leaseholders to have to worry about the cost of fixing historic safety defects”.—[Official Report, 20 July 2020; Vol. 678, c. 89WS.]
However, by the time we got to 16 October, the Housing Minister himself said we should look for solutions
“that protect leaseholders from unaffordable costs”.
So, not any costs, but unaffordable costs. When the Minister with responsibility for building safety came to the Select Committee on Housing, Communities and Local Government, he could only define “affordable” as costs that did not make someone bankrupt. Does the Housing Minister understand the great concern and upset that the change of policy has caused for leaseholders, who thought they would bear no costs but could now be faced with substantial bills? Will he explain the change of policy or, better still, go back to the original policy the Secretary of State identified that the costs should not fall on leaseholders at all?
I am obliged to the Chairman of the Select Committee and I am grateful for the report that the Committee produced on cladding. There has been no change in policy. The Government are quite clear that we do not expect, and we do not want, leaseholders to bear the costs of remediation of unsafe buildings for which they were not responsible. That cost should fall on the owners, through the owners, the builders or any warrantee scheme the owners have.
(3 years, 9 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.
Each Urgent Question requires a Government Minister to give a response on the debate topic.
This information is provided by Parallel Parliament and does not comprise part of the offical record
My hon. Friend is absolutely right: it is by the good practice of councils such as Rugby Borough Council and programmes of that nature that they are able to work with those families and individuals before there is a need for them to sleep rough or become homeless—it is prevention. We know that since we implemented the Homelessness Reduction Act, that has had a significant impact in many parts of the country. I am pleased that we are determined and committed to make sure we implement that even further and work with local authorities to get better results.
First, congratulations are due on the efforts that were made to get rough sleepers off the streets from March onwards. Great work was done by councils with voluntary organisations and with good support financially from the Government as well. The real pressure on councils now, I am told by my own city of Sheffield, is from people presenting as homeless from the private rented sector. An increase has led Sheffield City Council, which is very good at dealing with these matters, to have 80 families now in hotels and another 200 in temporary accommodation. That will cost the council around £500,000 extra in this financial year. If dealing with homelessness has to be a priority for councils, which certainly it should be, will the Minister make it a priority for Government to make sure that councils have the extra resources they need directly to continue delivering the services that people in the private rented sector will need in the coming, very trying months?
I thank the hon. Member for his comments and articulation of the work that has been done by the Government and many local authorities and the voluntary and charitable sector in the covid-19 pandemic. He is absolutely right that we need to monitor and make sure we are working intensively with local authorities to understand the needs and the challenges. That is why we are working with local authorities to provide plans, that is why we have put in the Next Steps funding, to provide that Move On and Next Steps accommodation support. We will continue that work through the winter and evaluate any impacts that we are seeing through the covid pandemic. We need to bear in mind that we have also provided councils with over £6 billion in funding to deal with some of the issues that are coming out of the covid pandemic.
(3 years, 11 months ago)
Commons ChamberCould I say that the Government’s decision to help councils with loss of funding, particularly for leisure centres, parking revenue and such things, is welcome? There is one group of authorities, however, that have not been compensated—the councils that run their leisure services at arm’s length. I raised this with the Minister’s predecessor back in July, and the response I got was that the Government
“are very serious about tackling it.”—[Official Report, 9 July 2020; Vol. 678, c. 1224.]
Since then, because Sheffield has lost over £10 million, which it has not been compensated for, from its leisure centres’ loss of income, we have written as Sheffield MPs to the Secretary of State twice—once in August and once in September, the second with the local leisure clubs—and we have not had a response. Could the Minister therefore update the House on what is happening in general on this issue, and will he agree to meet Sheffield MPs to discuss this issue, which really affects our city and its finances?
I thank the Chair of the Select Committee for his question. We recognise the vital role leisure centre facilities play in keeping our communities safe and protecting mental health. We are working closely with the Department for Digital, Culture, Media and Sport on a further package of support for leisure centres. I am happy to meet the hon. Gentleman and other Sheffield MPs to discuss the matter.
(3 years, 11 months ago)
Commons ChamberThe planning system is there so that individuals and organisations can develop sites and buildings appropriately. It is also there to protect the community from inappropriate development. Permitted development rights confer rights on some individuals but take away rights from others to have their say on developments. They take away community rights to object and to have an application turned down. That is a very important and serious issue that we all ought to be addressing.
I want to talk about space standards. Shortly after the Government produced their independent review of conversions under permitted development, to which my hon. Friend the Member for Weaver Vale (Mike Amesbury) drew attention, I asked the Prime Minister at Prime Minister’s questions whether it was reasonable that flats of 16 square meters were allowed to be built, which was 1 square metre larger than the footprint of his car. Clearly, it is not a reasonable size for properties. The Prime Minister’s response to my question, which was welcome, was that the Government will
“give people the space they need to live and grow in the homes that we will build.”—[Official Report, 22 July 2020; Vol. 678, c. 2149.]
Given that response, I wrote to the Housing Minister on behalf of the Select Committee on 4 August to ask what he was doing to put the Prime Minister’s commitment into effect. I have not had a reply to that letter. I thought the Minister had either forgotten about it or was waiting to reveal a significant change of policy. It appears that it is the latter. At least on that issue, we now have some recognition that local authorities can take into account the issue of space standards, along with the right to light and the impact on the wider environment from permitted development applications. That is welcome, because properties of 16 square metres or even smaller are nonsensical and not fit in the modern age for anyone to live in.
In terms of section 106, this is a serious matter. If the Government are seriously going to allow more development without 106 commitments, that will simply mean we have fewer affordable rented homes built, because the reality today is that the majority of affordable rented homes come through 106 commitments. That will have a significant impact on communities up and down the country. Why are the Government excluding permitted development from that obligation? I have not seen any justification for that. That is what happens, and it is important, so we ought to take account of it.
The Select Committee produced a report in 2019 on the future of the high street, “High streets and town centres in 2030”, which we are going to update in the light of the covid situation. We looked at permitted development. There are some odd properties that had been for retail use and can be converted for residential use perfectly reasonably, and those should be encouraged and helped. That can be done through the planning system now, if the development is appropriate. The problem is that some of our high streets and town and city centres need more radical reconstruction. They need to be redeveloped significantly and cleared. That is why we called for improved compulsory purchase order powers for councils in our report. However, we can find in a couple of years’ time that the local plan proposing the clearance of a derelict and underused retail area is made more difficult to construct and implement, because it seeks to get a CPO and demolish derelict retail properties that have just been made into residential homes. Trying to put together rights to convert—and properly convert—in the light of wider local planning situations simply is not taken account of.
Our 2019 report therefore said:
“The Government should suspend any further extension of PDRs, pending an evaluation of their impact on the high street.”
Other organisations have gone further. The Town and Country Planning Association, the Royal Town Planning Institute, the Royal Institution of Chartered Surveyors, the Royal Institute of British Architects, and the Chartered Institute of Housing have all called for an impact assessment of the PDRs that have been allowed and changed over the last few years and those proposed for the future. Indeed, the Select Committee first called for an impact assessment back in 2012. If the Secretary of State and the Minister believe there are just benefits and no disbenefits from expanding PDR, why will they not commit now to do a full impact assessment of the changes made previously and the changes proposed now?
This set of SIs is an answer to a massively important question about how we build more homes that are fit for communities, but the answer is blindingly obviously the wrong one. There is no evidence that planning logjams such as those to which the SIs are meant to be a solution are the problem. Some 40% of homes with planning permission over the past 10 years have not been built.
We need to look instead at some of the other reasons we are not building the houses that we need. It is about, for example, the lack of funding for local authorities—the lack of understanding that we need to directly intervene through council housing and social rented housing to provide the homes that we need. It is also about the fact that the price of land is so utterly prohibitive. It would be much more sensible in this time of rapid and urgent legislation to tackle the Land Compensation Act 1961 and reduce the value of land as a whole so that we get more houses built that are affordable.
The relaxation of permitted development rights has, as we heard from the hon. Member for Weaver Vale (Mike Amesbury), already reduced quality. The Government’s own commission reported that seven out of 10 buildings built under the existing rights lacked adequate light and ventilation, and were, as the hon. Gentleman said, creating the slums of tomorrow.
That was not always the way the Conservative party approached social rented housing, by the way. Harold Macmillan, when housing Minister, did tremendous work. He was the one behind the Parker Morris standard: really good quality council houses, with lots of good space around them. Council houses can be good houses, and that is what they need to be. [Interruption.] If I have got something wrong there, I will give way.
I am delighted to take the correction. And there was me praising a Conservative! What Macmillan did do was build numbers, and the estates of the ’50s were certainly better than the estates of the ’60s, but I do indeed stand corrected.
The biggest concern I think many of us will have is the undermining of democracy: communities having what will be done to them dictated to them, without them having the ability to contradict or to say otherwise. If you are somebody who represents two national parks, the lakes and the dales, and the wonderful communities within them—Grange, Kendal and others—you will be particularly worried about what that means. We are not nimbys, by the way.
(3 years, 11 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.
Each Urgent Question requires a Government Minister to give a response on the debate topic.
This information is provided by Parallel Parliament and does not comprise part of the offical record
Sarah Dines is not here, so I call Clive Betts, Chair of the Housing, Communities and Local Government Committee.
I have two simple asks of the Minister. First, does he recognise that there will be people in dire financial hardship who struggle and cannot pay their rent? I heard what he said about help for discretionary housing payments. Will he continue to monitor that, and if local authorities say they do not have sufficient to help people in real need, will he look at expanding the amount of money?
Secondly, with regard to the issue of discretion, will the Minister confirm that, as long as landlords have talked to their tenants and presented their financial information to the courts, when applying for a section 21 notice or possession on ground 8, of rent arrears, the courts have no discretion at all to reject those applications? Will he further consider those points, do what the Housing, Communities and Local Government Committee has asked and strengthen the pre-action protocol to give the courts more discretion?
We always listen with great care to the Chairman of the Select Committee. I can confirm that we will keep all our arrangements, including our financial provisions, under review as the situation develops; it probably has some time to go before things begin to get better. He mentions section 21. He knows that the Government are committed to repealing section 21 in our renters’ reform Bill, and we will do that at the appropriate time, when there is a sensible and stable economic and social terrain on which to do it.
The hon. Gentleman will know that the courts do have discretion to prioritise the cases before them. He will also know that, if landlords do not provide the right information to the courts in pursuit of their section 21 application, the courts have the discretion to adjourn the case and push it to the end of the queue. I am quite sure that Sir Terence Etherton and Mr Justice Knowles will look carefully at landlords who fail to comply with their duties. Our approach has always been to be fair—fair to those who have lost out as a result of the epidemic, and also fair to landlords, particularly smaller landlords, who need their incomes.