Oral Answers to Questions

Debate between Karen Buck and Christopher Pincher

Monday 19th April 2021 Commons Chamber

[The Minister for Housing (Christopher Pincher)]

In 2018 and 2019 we saw the highest and the second-highest number of first-time buyers since 2007. With the effect of covid, 2020 saw a 14% decrease from the 2019 total. The Government are now redoubling their efforts to assist first-time buyers. That is why today we launched the mortgage guarantee scheme offering a 95% loan-to-value mortgage, developing first homes and enabling first-time buyers to purchase new-build homes locally with at least a 30% discount—a determined effort to support buyers.

[Ms Buck [V]]

For many first-time buyers, especially in cities, the options are mainly new-build and leasehold properties, but many of them are walking into a new nightmare of costs. Inside Housing is today reporting on purchasers buying properties as safe only to discover almost immediately that the ratings are changing, leaving them with huge bills for waking watch, and unsaleable properties. Does the Minister know how many first-time buyers are affected by this, and why is the only truly blameless party, the purchaser, the one who is still left carrying the can and the risk?

[Christopher Pincher]

There are a suite of options for first-time buyers. They can purchase a home using the Help to Buy scheme. They can take advantage of our shared ownership scheme, whereby, under the new proposals, failings and defects will be fixed by the developer for the first 10 years. As I said, the mortgage guarantee scheme that we announced today allows first-time buyers and others to purchase homes with as little as 5% deposit.

We are determined to ensure that first-time buyers are able to achieve their dream and get on to the property ladder. That is a world away from the campaign that the hon. Lady chairs—the campaign of Sadiq Khan, who promised to build 116,000 homes in London but has thus far managed to deliver only 28,000. I wonder whether that is why the housing pledge, which was at the top of his campaign in 2016, is now second from bottom in 2021. I think that that says a lot about Labour and its priority for housing.

Leaseholders and Cladding

Debate between Karen Buck and Christopher Pincher

Tuesday 24th November 2020 Commons Chamber

[Christopher Pincher]

I am obliged to my right hon. Friend for his question. As I said earlier, I cannot say that there will not be some cost that may occur at some point to leaseholders for historical defects work that may be undertaken, but we do want to make sure that, as a result of the work that Michael Wade is doing with the financial services and others, any such costs are fair and reasonable and can be carried. That is why we have put aside that £1.6 billion to make sure that the cost of cladding remediation for cladding such as ACM and high-pressure laminate can be funded by the taxpayer when the developers are not able to fund it, so that the cost does not fall on the leaseholder.

[Ms Karen Buck (Westminster North) (Lab)]

We have already heard about the difficulties that leaseholders have had with the EWS1 form backlog when they are seeking to sell. At the weekend, the Secretary of State claimed that his proposal to remove the requirement for this certification from properties without cladding had been cleared by and had the backing of mortgage lenders; in fact, UK Finance and the Building Societies Association both said that they did not back the scheme and had not been consulted, and that it did not solve anything and left 1.9 million homeowners in the lurch. Will the Minister tell us whether or not leaseholders who do not have cladding will be required to have the certification, and whether his proposal now has the backing of finance lenders?

[Christopher Pincher]

It is my understanding that buildings that do not have cladding will not need an EWS1 form. We clearly need to do more work with the financial services sector to advance the issues that have arisen with the EWS1 form but, as a result of the negotiations and the agreements made over the weekend, we anticipate that something like 450,000 holders will no longer need to use an EWS1 form.

End of Eviction Moratorium

Debate between Karen Buck and Christopher Pincher

Wednesday 23rd September 2020 Commons Chamber

[Christopher Pincher]

I can confirm to my hon. Friend that neighbours of antisocial tenants will find that their landlords are able to move much more quickly now to seek justice and to seek repossession of their properties and ensure that that sort of behaviour is stymied.

[Ms Karen Buck (Westminster North) (Lab)]

Housing advisers are reporting a surge in illegal evictions, and indeed, I have had experience of this myself. Do the Government recognise those figures? Do the Government collect data on illegal evictions? Are the Government expecting illegal evictions to continue to rise during the coming months? When was the last time that guidance was issued to police forces across the country on what their duties are to intervene in these cases?

[Christopher Pincher]

The law is quite clear, and I advise and encourage all landlords to adhere to it. Those who do not may find themselves in receipt of a very dim view from the courts. Of the 7% of tenants who are in arrears, I am told that about 1% have received notices to evict, so landlords, on the whole, are doing the right thing. Those who are not will, I hope, be pursued by the law, because we need to make sure that landlords do the right thing and that illegal evictions of the sort that the hon. Lady notes are not tolerated in any way.

Rented Homes: End of Evictions Ban

Debate between Karen Buck and Christopher Pincher

Wednesday 22nd July 2020 Commons Chamber

[Ms Karen Buck (Westminster North) (Lab)]

Where landlords and tenants can reach an agreement between them, that is clearly to be welcomed, but the point is that many cannot. Can the Minister confirm whether there is a duty on landlords to inquire as to whether tenants have a problem with their rent because of covid? If there is no duty, does that not mean, as has been pointed out on a number of occasions, that the landlord can, under section 21 or ground 8, seek possession of a property and that the courts have to go along with that and have no discretion whatsoever?

[Christopher Pincher]

I can confirm that landlords do have, or will have, a duty to assess the effect of covid-19 on their constituents, including the financial impact and their vulnerability, should they wish to bring an application before the court to seek possession of their property. If they do not do that, or if the information they provide is not appropriate, the courts will be well within their rights to adjourn the case, which will cost the landlord time and money, and certainly focus the landlord’s mind. I am content with the thought that courts have always done what they can, and that they will continue to do so, to mediate in the execution of justice. They will also do what they can to help both parties in the case, including tenants. Landlords will have a duty as a result of the Lord Chancellor’s statutory instrument, which he laid last Friday.