Social Housing Bill [Lords]

Deirdre Costigan Excerpts

2nd reading
Thursday 10th September 2026 Commons Chamber

[Joe Powell]

I completely agree with my hon. Friend. As the Prime Minister said yesterday, that policy would increase homelessness and would be entirely self-defeating, because it would just shift the bill to local authorities that would then have to deal with the problem, rather than tackling the problem, as we are doing today through this Bill. What we actually need is more social and genuinely affordable housing, and I welcome the steps this Bill takes to address the issue, because there is no doubt that unchecked right to buy has contributed to the problem.

The measures in the Bill are sensible and will make a difference. They build on policy changes that the Government have already made, including making permanent the retention of 100% of right-to-buy receipts. However, the implementation of these measures in communities such as mine will obviously be vital. In many of our council estates and buildings, the current owners of right-to-buy properties are actually open to selling. That is partly because of estate regeneration costs and concerns about service charges and quality, and because unlike other private leaseholders, those leaseholders may not necessarily benefit to the full extent from the easier path to commonhold and resident-run buildings that the Government will be bringing in for leaseholders in general. I would welcome further information about how local authorities can be supported to buy back properties in blocks where the council is already the freeholder.

I fully understand that this is an admission of the failure of the historical right-to-buy policy, and the situation certainly would not be helped by retaining the three-year eligibility requirement that the shadow Minister, the hon. Member for Orpington (Gareth Bacon), supported in his speech. Changing the requirement to 10 years makes much more strategic sense for councils, because it incentivises both those buy-backs and investment in new council housing.

[Deirdre Costigan (Ealing Southall) (Lab)]

My constituency is in the borough of Ealing, where 3,000 families are in temporary accommodation and 7,500 are on the housing list. Some 9,000 homes were sold off under the right to buy since the 1980s. Does my hon. Friend agree that this Bill strikes the right balance between continuing social mobility for long-standing tenants while protecting homes for those most in need?

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[Bobby Dean (Carshalton and Wallington) (LD)]

Some £7.9 billion a year: that is how much the Chartered Institute of Housing estimates is spent on housing benefit for tenants renting privately. In my local area, a lot of that will be going to people living on the St Helier estate, one of the largest London council estates built during the interwar period, much of which has been sold under right to buy over the past few decades. That means that instead of our local authority receiving rent from those properties, the national Government are paying market rates to private landlords on homes that we built. That is maddening and it surely makes the scale of right to buy sales, alongside the failure to replenish the stock, one of the single greatest policy failures for a generation.

[Deirdre Costigan]

I know the St Helier estate well, but would the hon. Gentleman not agree that it was his party, the Liberal Democrats, in coalition with the Conservatives, that massively increased the discounts for right to buy that caused the very problem he is talking about?

Social Housing Bill (First sitting)

Deirdre Costigan Excerpts

Committee stage
Tuesday 27th October 2026 Public Bill Committees

[Gareth Bacon (Orpington) (Con)]

I echo the Minister’s welcome: it is a pleasure to see you in the Chair, Mr Vickers.

This Bill fails the British people. It effectively destroys right to buy for millions of families. It does nothing to free up stock for British nationals. It fails to introduce efficient stock management regulations. Most egregiously, it fails to build a single social home—a point completely missed by the Government and the Liberal Democrats. In scrutinising the Bill line by line, it is critically important that we defend aspiration and refocus the debate on the delivery of new homes.

I will speak to new clauses 55 and 57 and amendments 84 and 85, in my name. On new clause 55, in the past, Conservative Government-backed schemes such as Help to Buy and stamp duty discounts made a real difference to people buying their first home, and helped about 1 million first-time buyers to get on to the housing ladder. That contributed to 800,000 people buying their first home under the previous Government. However, since 2024 the Government have not shown that they have the aspiration to match that. Instead, they have cut a lot of the products that turbocharged first-time buyers getting on to the housing ladder.

Even when the Government try to support young people into property ownership, it emerges that all that glisters is not gold. I am primarily referring to the Your First Home scheme—a policy limited to new homes and expected to be constrained by income caps. Young people, especially young people in social housing, deserve better than that.

[Deirdre Costigan (Ealing Southall) (Lab)]

The hon. Gentleman mentions Your First Home—the product that the Government announced to get young people on to the housing ladder. Does he agree that the targeted approach of that new idea is in stark contrast to the Conservative Government’s Help to Buy scheme? About half of the people who bought under that scheme were already able to buy a home, and it just allowed them to buy a bigger home, probably in a more affluent area.

[Gareth Bacon]

It rather depends on the detail, but if the income caps that we hear about in the press are even remotely accurate, we can rule out the whole of Greater London and the south-east of England, because people will not be able to access the financing. That would be yet another example of the Government pretending to do something without actually doing it, but we await the detail on that.

Right to buy is not a shameful practice, nor is it an exercise in capitalistic greed. It is a hand up on to the housing ladder for those in need, and an extension in the fundamental rights of property. New clause 55 would help realise that for young people. After all, it is critical that more is done to help young people to buy their first home. They face the greatest barriers to home ownership of any recent generation, and yet the Government’s answer is to cut one of their only routes to property ownership. We believe that that approach is fundamentally wrong, and I urge colleagues to join me in supporting young people by backing new clause 55.

On new clause 57, clause 1 in its current form not only enables the injustice of preventing future hard-working residents from owning their own homes but prevents current tenants from doing so. The Opposition are completely against that retrospective change. The Government have shown time and again that they have no regard for the property rights of individuals. The Government’s socialistic focus has targeted landlords, freeholders and renters, now they turn their gaze towards residents in social homes.

The vast majority of people in social housing deserve a hand up on to the property ladder and a chance to share in the pride of owning their own home. Many people in social housing know that their best chance at getting that is through right to buy.

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[Gareth Bacon]

I will not give way. I need to make some progress.

That is the least that can be done to support families aspiring to own their own home, whether they find themselves on the cusp of reaching their three-year qualifying period or on day one of the road towards making their home ownership dream a reality.

On amendments 84 and 85, the Bill opens with a statement claiming that its purpose is to make provision about social housing, but clause 1 makes no effort to increase the supply, build-out rates or funding for social housing. Instead, an ideological aversion to property ownership—a fundamental right—takes the top spot at the very beginning of the Bill. Ever since Margaret Thatcher gave millions of people the chance to own their own home, rather than rent it from the state, local authority or a registered provider, Labour MPs have for generations sought to crush that right and the aspiration that it exists to serve.

[Deirdre Costigan]

Will the hon. Member give way?

[Gareth Bacon]

No. More than 2 million households have exercised the right to become homeowners and gain a stake in society. Until 1980, that would have been out of reach for far too many British people, but the Government are determined to wind back the clock to the 1970s and cut off the right for hard-working families up and down the country to own their own home.

Amendments 84 and 85 would take out the extended qualifying period from the day the Bill is passed, thus preventing clause 1 from coming into effect for three years following Royal Assent. That would delay the Government’s dogma and continue to support the right of 5 million people to find their place in the community, and to feel the pride and safety that comes with owning one’s own home.

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[Gideon Amos]

Let me give way to a Government Member this time.

[Deirdre Costigan]

Is the hon. Gentleman aware of the research that shows that up to 40% of homes bought under right to buy have actually ended up in the hands of private landlords? In fact, if we are looking to help people into long-term housing, right to buy is not the solution.

[Gideon Amos]

The hon. Member is quite right. Not only that, but local authorities end up paying over the odds for placing families in temporary accommodation, sometimes in homes that were built as council houses to provide for those families in the first place. Now they are being sublet, sometimes multiple times, to provide that housing.

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[Gareth Bacon]

We do not share the Government’s position on this. We will be pressing for a Division on amendment 90. On amendment 83, I understand the point that the Minister made about recouping the cost. However, we believe that that is a convenience for local authorities, not for local people, and we are more interested in local people.

[Deirdre Costigan]

Will the hon. Gentleman give way?

[Gareth Bacon]

No, I will not. I am just summing up. We will press for a Division on amendment 83, because we think that 10 years is more appropriate than 35. On amendment 91, we also disagree with the Government. We think that there should be an affirmative rather than negative procedure for this, so we will also be pressing that to a Division.

Question put, That the amendment be made.

Social Housing Bill (Second sitting)

Deirdre Costigan Excerpts

Committee stage
Tuesday 27th October 2026 Public Bill Committees

[Edward Argar (Melton and Syston) (Con)]

As always, Mr Western, it is a great pleasure to serve under your chairmanship. I rise to support clause 13 remaining part of the Bill. With his typical eloquence, the Minister set out both the opportunities and challenges presented to those with shared ownership, including the regulatory challenges sitting around it. He also described the very real impact that it can have on those individuals—who are often starting off on the path to home ownership—when it does not work well.

I therefore think that clause 13 is important. I do not in any way want to gainsay the important work that the Minister is doing. As I said this morning, I have a lot of respect for the Minister; he is extremely able and I know that he will be pursuing this work with vigour. However, I believe that a statutory review offers the opportunity for a much broader look at this issue in the round, and actions such as those that the Minister has outlined can sit under such a review perfectly reasonably.

The two things are not in contradiction. A statutory review would not stop the Minister from continuing to pursue some of the immediate actions that he has already set out. It just provides an opportunity to take a step back and look at this important sector of home ownership to assess whether it is working well. Where there are things that the Government or the Minister may have missed—as diligent as I know him to be— it gives that extra opportunity.

I know that the Minister has been very clear in his determination to continue pursuing shared ownership, as he set out in his written statement and in his announcement. However, I have to say that this Minister, in whom I have a lot of confidence, may not always be in this post. When he inevitably ascends to higher office, his successor may not be as focused on this issue as him. Therefore, I think that a statutory review as set out in clause 13 offers the opportunity to publish something that has been considered carefully, which Members of this House and future Ministers can then refer back to when considering the way forward. I do not think that it trammels the Minister’s freedom in deciding what to announce or his discretion in any way; it would just be a very important addition.

[Deirdre Costigan (Ealing Southall) (Lab)]

Does the right hon. Gentleman agree that the Minister has shown that he is willing to take action on the shared ownership eligibility cap, which I think has been frozen since 2019, and on which the previous Conservative Government took no action? He has already announced that he is raising the cap from £80,000 and £90,000 to £90,000 and £110,000 in London and outside London respectively. That shows the vigour with which he is progressing reforms to the shared ownership system.

[Edward Argar]

The hon. Lady amplifies what I have already said about the Minister. Before I do his political career too much harm by being too nice about him in front of his Whip, I have been very clear in my respect for the Minister and the work he is doing. However, as we have seen in previous Governments—not only Conservative but Labour Governments since 2024—Ministers come and go with an alarming rapidity.

When something is as important as this is to so many people, there must be something underpinning it. Whether Ministers move—in this Minister’s case, I hope he ascends—or whether they leave Government, it is important that whoever succeeds that office and its responsibilities has something on which they can hang their hat and plan their strategy. That is why I think that a review would not be a hindrance to any Minister or Government. Actually, it could be of great help, not least in potentially giving the opportunity to objectively consider some of the issues that the hon. Lady has just raised further.

Social Housing Bill (Third sitting)

Deirdre Costigan Excerpts

Committee stage
Thursday 29th October 2026 Public Bill Committees

[Gideon Amos]

It is a pleasure to serve on the Committee under your chairmanship, Sir Roger. New clause 1 would require a strategy for the provision of 150,000 new social homes a year in England, which is the Liberal Democrat target. We welcome the Government’s commitments so far to funding and supporting the delivery of social homes, which are of key importance—in fact, we welcome those proposals a lot more than some of the planning system proposals for private housing development, but the focus of the new clause is on social homes. However, we need a significant target. So far, the Government have not set a statutory target, or indeed any clear target at all. The National Housing Federation and Shelter estimate that 90,000 more social homes are needed per year. Why did we go to 150,000? Because social homes should not be for just the most excluded, desperate and challenged in our society; they should be for working people in low-paid jobs.

[Deirdre Costigan (Ealing Southall) (Lab)]

I hesitate to ask the hon. Gentleman a slightly difficult question so early in the proceedings; he is a very nice man and does a very good job. He has previously said that national housing targets should not be dictated by Whitehall, that the Government’s housing targets are over the top and that a targeted approach to housing is unreasonable. Does he not agree that what the Government are doing is in line with his previous comments, and that it will achieve more social and affordable housing by overhauling the funding mechanisms for housing and by breaking down the planning barriers? That is a better approach, as he would previously have agreed himself.

[Gideon Amos]

I welcome the hon. Lady’s question about the details of Liberal Democrat policy, upon which I shall be delighted to expound. The challenge I was making is that the Government’s overall target for homes is mainly for private homes, so we have situations in Taunton where thousands of homes will be imposed on a community that will not be able to afford them or have any access to them. They will not be for local people.

Those targets come alongside the planning reforms, which seem to celebrate a confrontational approach—I think the Labour party called it a “blockers versus builders” approach. The notion that that will somehow lead to more community acceptance of housing development is wrong-headed. That is why we believe that the overall housing target needs to be based on household projections, as it once was, rather than on the current standard method. However, we would stick rigidly to our target of 150,000 social homes.

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[Deirdre Costigan]

Hear, hear.

[Gideon Amos]

I almost echo the “Hear, hears”. However, that money would struggle to add about 1,000 social homes per year to the current 18,000, which is the closest thing to a target that we can divine from the Government’s policy announcements—about 18,000, 19,000 or maybe 20,000 a year. We need a whole lot more than that. The National Housing Federation and Shelter believe that we need at least 90,000 a year. The current level of ambition really is not high enough. I encourage the Government to focus their attention less on issuing thousands more planning permissions. We need planning permissions to keep coming through, but since we already have a million plots with planning permission not built for private housing, they should focus their attention instead on the delivery of social housing and on setting a target—if not this one, a target of some sort.

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[Gareth Bacon (Orpington) (Con)]

It is a pleasure to serve under your chairmanship, Sir Roger. I rise to speak to my new clause 34. I regret that my pointing out that the Bill will not create a single new social home appeared to get under the Minister’s skin on Tuesday, but the fact is that the Bill does not create any extra housing. That is not a surprise, as it comes from a Government who have built just 26% of their target in nearly 50% of their time in office. None the less, it is simply not good enough.

Moreover, in the places—few and far between—where the Government have tried to get Britain building, that has nearly always come at the cost of green belt protections, despite the fact that research from the Campaign to Protect Rural England shows that a large proportion of the Government’s lofty housing target could swiftly be met using brownfield land that already has planning permission. The CPRE estimates that up to 1.41 million homes could be built on existing brownfield land in England, based on data from local planning authorities’ brownfield land registers up to 2024.

[Deirdre Costigan]

The hon. Member talks about the importance of building on brownfield land first. That is certainly the policy of this Government. Would the hon. Member agree that although the previous Government professed to want to focus on developing brownfield land, they did absolutely nothing to make that viable, whereas this Government are putting money into the brownfield land release fund, which will help to clean up that land? Those are steps that the previous Conservative Government absolutely failed to take.

[Gareth Bacon]

The hon. Lady makes a reasonable point, but we are looking forwards, not backwards.

[Deirdre Costigan]

Ah!

[Gareth Bacon]

The hon. Lady says that the Government are making brownfield land development more viable. Where are the signs of that? There is no development happening. Development in this country has ground to a standstill under this Government. That malaise did not start under this Government—I will accept that criticism—but it is most certainly being exacerbated by this Government. They are doing nothing to turn back the tide. In fact, they are pushing it further.

Those 1.41 million starts would amount to 93% of the Government’s manifesto pledge. That is why I have tabled new clause 34, which seeks to require the Government to publish a strategy for prioritising brownfield land for social housing development.

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[Gideon Amos]

I am grateful for the opportunity to move the new clause, which stands in my name and in the name of my Liberal Democrat colleagues. Regulatory inspection of housing associations is particular to where there has been bad practice or responses to tenants have been poor. I acknowledge that most housing associations do an excellent job and fulfil a vital role in delivering the social homes that we need. However, where they are particularly bad or fail to deliver an adequate level of service and repairs to tenants, the Regulator of Social Housing may eventually carry out an inspection, but only years after tenants have been disadvantaged and not served.

[Deirdre Costigan]

The hon. Gentleman’s new clause 3 is very similar to the official Opposition’s new clause 53, which I believe they describe as a probing amendment. I have a probing question for him. How does he see things moving beyond the changes that the Government have already brought in, on a cross-party basis? Awaab’s law will allow tenants to report problems with repairs and have them dealt with by their housing provider within a very short timescale, and it will enable them to sue for breaches or go to the ombudsman. On top of that, there is the new right in the Bill to manage provision, which will allow tenants to get rid of the repair provider completely and bring in their own. How does he see his new clause moving things beyond that? What gap would it fill?

[Gideon Amos]

The hon. Lady makes some excellent points about measures that we have supported; Awaab’s law is one of them, as is the Renters’ Rights Act 2025. We certainly welcome the new standards to which tenants will have access. The import of this new clause is that it would cover a much wider range of poor practice: across a whole estate, for example, rather than individual dwellings, or indeed across all of a registered provider’s homes.

The regulator already inspects registered providers, but, as I say, its inspections tend to come after the scandal is all over—after things have been running for years and after tenants have complained, had recourse to complaints mechanisms and so on. Our new clause would allow tenants, where a reasonable percentage of them have signed up, to trigger an inspection by the regulator at an earlier stage. That would make it a proactive power of inspection, rather than making tenants wait until the end of the process for the regulator to look into it. Of course, there are details to be worked out, such as what we mean by an estate, which is why we made provision in the new clause for regulations, to be approved in this place, to set out those more detailed arrangements.

Fundamentally, this is about giving social housing tenants an extra lever: a power to bring in the regulator, where that is justified, to carry out an inspection in a proactive way. It is a constructive new clause and is tabled for that purpose. I am delighted that the Conservatives have followed suit with something similar; we could even be persuaded to vote for their new clause in the unlikely event that the Committee does not agree to ours today. Our new clause stands on its own merits. It would give an extra lever to social housing tenants, some of whom are really badly served by their housing associations. I commend it to the Committee.