Housing and Planning Bill

Debate between Tom Brake and James Cartlidge

Tuesday 3rd May 2016 Commons Chamber

[Tom Brake]

I am a member of Sutton Housing Society Ltd, although I have no pecuniary interest.

I will start where the Chair of the Communities and Local Government Committee finished, on the issue of supply. The Bill should be about supply in the widest sense, but while I do not doubt that Ministers are seeking to solve housing problems for some, I am afraid that the Bill will do nothing for the people I see regularly in my constituency surgeries. Nothing in it will help the single mother I referred to earlier, living and working in London on £17,000 a year and seeking a better private rented property or social housing through a housing association. Nor will it help the couple I saw a few months ago in a two-bedroom flat with three children, who could not afford the rent in a housing association property, let alone afford to buy in London.

We have heard about the Khan amendments, but perhaps I could throw in the Caroline Pidgeon amendments, which unfortunately do not feature in any of the strings today. The advantage of her proposal for London is that it includes a revenue stream of £2 billion to deliver the housing. Many have said they will deliver housing, but in practice we are still hundreds of thousands of properties short.

The Bill has been subject to an extraordinary number of amendments and no fewer than 13 Government defeats in the Lords, which is testimony to the fact that the Bill was presented to the House lacking a huge amount of detail and clarity. I thought we might get some here but that has not, I am afraid, been the case. The Bill contains provisions that will have extremely concerning consequences for housing in the UK and affordable housing in particular, and the fact that there has been such united cross-party opposition to the Bill in the Lords, including from Cross Benchers, indicates the depth of concern.

The Bill’s focus is on home ownership for better-off renters, but it neglects affordable homes to rent and clearly seeks to reduce the number of social homes provided by local authorities. As Opposition Members have said, the impact will undoubtedly be a rise in homelessness. Furthermore, far too much is being imposed on local authorities, in terms of sales of higher-value council homes, pay to stay and secure tenancies. It is encouraging, however, that the Government have taken on board some of the serious concerns and made concessions in relation to amendments 26 to 36, on abandonment, and amendments 90 and 91, on mandatory electrical safety checks for private tenants. Those are welcome.

I also welcome the Government’s recent inclusion in the Bill of a commitment to replace all homes sold off under the sale of higher-value properties. Replacements are critical to whether the Bill will have a devastating impact on social housing. In the past, promises of replacement have been made but not delivered, and as several Members have mentioned, it is critical that the replacement is like for like, in terms of the type of property, and in the same area.

In London, pay to stay is of particular concern. Some Members might be aware of a report by the Joseph Rowntree Foundation in 2014 that found that a family of two adults and two children needed an income of £40,000 to have an acceptable standard of living. That was an average across the whole country. Given that that was two years ago and an average for the country as a whole, it is clear that families on £40,000 in London would not be wealthy. I hope that the Government will look favourably on amendment 57, which would raise the threshold by £10,000 and might actually get people up to an acceptable standard of living before their income is reduced by rising rents in their social property. In addition, I will certainly support amendment 55, if it is pressed to a vote, and amendment 54. If they are pressed, I will also support amendments 9 and 47, which were debated earlier.

With that and within your five-minute margin, Madam Deputy Speaker, I will sit down.

[James Cartlidge]

I start by declaring my housing interests in the Register of Members’ Financial Interests. They include a significant involvement in shared ownership, which it is almost impossible not to speak about in such a debate.

I want to focus on starter homes, on how they interact with other affordable home ownership products and, more importantly, on how they will affect my constituents. I am intrigued by the idea, in amendment 1, that someone would repay the 20% discount over 20 years. It is unclear how it would work in practice—I apologise for not having studied the Lords Hansard for a lengthy explanation. Would the money be repaid on the sale of the property only, or would it be a credit agreement repaid annually? If, on the sale of a property, someone’s circumstances had worsened or they were unemployed—people sell their properties when their circumstances change—would they still have to repay the equity discount from which they had benefited? We must remember that whenever we add complexity to a home ownership product, lenders do not like it and are less likely to be involved. I make that impartial observation as a former mortgage broker.

My other point about amendment 1 is that we must remember that it is relatively unprecedented in affordable home ownership products to have repayment of the subsidy from which the homeowner has benefited. With shared ownership, grant is implicit, but when someone sells their share, they do not repay the part that came from the Government grant. They have become a homeowner, and they benefit or otherwise from the increase in the value of the share.

European Union Referendum Bill

Debate between Tom Brake and James Cartlidge

Thursday 18th June 2015 Commons Chamber

[Tom Brake]

I certainly agree with the hon. Member for North Dorset (Simon Hoare) on the latter point, if I may respond to just one of the points that he made. This is about what is right and what is wrong, but there are some Opposition Members who believe that it is right to give EU citizens the right to vote in the referendum. Clearly, most Members on the Government Benches, if not all of them, do not think that it is.

Most importantly, EU citizens are mobilising and demanding the vote. A former Member of this House, whom I knew quite well as he represented a constituency close to mine, Roger Casale, an Italian by origin, has set up an organisation, New Europeans, which has been mentioned by the hon. Member for Ilford South, to ensure that EU citizens living in the UK have their voices heard. The organisation is celebrating its second birthday today, so I wish it a happy birthday.

On Tuesday, Roger and fellow members of New Europeans visited the House of Commons during the first Committee day of the EU referendum debate to speak to MPs about the franchise in the EU election. We have already heard the names of many of those who attended and I will not attempt to pronounce them, as that was well done earlier by the hon. Member for Ilford South.

EU citizens in Scotland had the right to vote in the referendum and may have helped to keep Scotland part of the United Kingdom by voting no to its break-up. Many EU citizens living in the UK now demand the right to vote in the EU referendum to keep Britain in Europe. Would we have argued that the independence referendum in Scotland was illegitimate if it had been won by such a narrow margin as to make the votes of EU citizens there decisive in the outcome? If not, why should we deny EU citizens the vote in the EU referendum, fearing that the outcome of the vote might depend on them?

[James Cartlidge (South Suffolk) (Con)]

As we all know, rightly or wrongly, many of the people who would vote to leave the European Union would do so because of the perceived issue of the number of people coming into the country. If we were to vote to stay in specifically as a result of the votes of European citizens, would that not be inflammatory to many millions of people who voted no?