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Chamber

Meeting of the Parliament 23 November 2022

23 Nov 2022 · S6 · Meeting of the Parliament
Item of business
Cost of Living: Mortgage Rescue Scheme
Macpherson, Ben SNP Edinburgh Northern and Leith Watch on SPTV

I am a bit pushed for time, but I am sure that Mercedes Villalba will be able to speak in the debate.

Moreover, for many households who are struggling to meet their housing costs, discretionary housing payments are a lifeline that the Government funds by providing £86.6 million to local authorities this year. That provision mitigates the benefit cap and the bedroom tax. We wish that we did not have to undertake those mitigations, but we take that action to support people, and we have done for several years with regard to the bedroom tax. The fact that we have to invest that money at all shows that the UK Government’s welfare system continues to be badly designed and wrong-headed. That is why we continue to push for it to reverse those policies and stop putting people at risk of homelessness.

In contrast, Social Security Scotland is now successfully delivering 12 devolved benefits, including seven that are available only in Scotland and not elsewhere in the UK, among them the Scottish child payment. From next year—February 2023—our 13th benefit, our new winter heating payment, which will be backed by £20 million, will provide around 400,000 people on low incomes with a reliable annual £50 towards the costs of heating their homes in the winter. That is part of the allocation of almost £3 billion in this financial year to help to mitigate the increased costs of living, with over £1 billion of that support available only in Scotland.

The Government welcomes the debate and looks forward to listening to the contributions from members.

I move amendment S6M-06898.2, to leave out from “Scottish Government’s” to end and insert:

“Home Owners’ Support Fund is a demand-led mortgage rescue programme to support low-income homeowners facing difficulty meeting payments to stay in their property through moving to either a rent or shared-equity scheme; notes that the Scottish Government is already reviewing the eligibility criteria of the Fund in light of the cost of living crisis; acknowledges the actions taken by the Scottish Government to also support people in the rented sector during the current cost crisis through the actions in the Cost of Living (Tenant Protection) (Scotland) Act 2022 and through up to £86.6 million in Discretionary Housing Support; calls on the UK Government to ensure that there is an adequate social security net to support people in time of hardship, including homeowners with mortgages; believes that the current nine-month wait for loan-only support with mortgages within Universal Credit is too long, and agrees that this is one of the many areas where Universal Credit is not fit for purpose.”

References in this contribution

Motions, questions or amendments mentioned by their reference code.

In the same item of business

The Deputy Presiding Officer (Liam McArthur) LD
The next item of business is a debate on motion S6M-06898, in the name of Mark Griffin, on the cost of living: mortgage rescue scheme. I invite members who w...
Mark Griffin (Central Scotland) (Lab) Lab
This past month, Parliament used its powers to support renters who are struggling with the cost of living by freezing rents and banning evictions, which prov...
The Cabinet Secretary for Social Justice, Housing and Local Government (Shona Robison) SNP
The member is well aware that we are reviewing the fund, including the eligibility rules for the mortgage to shared equity and mortgage to rent schemes. Ther...
Mark Griffin Lab
I fully accept that there is a review, and I will come on to talk about that in a minute. However, in that case, and given that the review has been going on ...
Shona Robison SNP
Will the member take an intervention?
Mark Griffin Lab
Yes.
Shona Robison SNP
I do not know whether—
The Deputy Presiding Officer LD
No—the member is winding up and cannot take an intervention.
Mark Griffin Lab
Thank you, Presiding Officer. In her amendment, the cabinet secretary misjudges the level of financial trauma that is already taking place across Scotland. I...
The Deputy Presiding Officer LD
Thank you, Mr Griffin. I apologise, but, as ever with these debates, we are tight for time, so members will need to accommodate interventions broadly within ...
The Minister for Social Security and Local Government (Ben Macpherson) SNP
As Mark Griffin mentioned, we are living through a cost of living crisis exacerbated by the impacts of United Kingdom Government decisions and policies inclu...
Daniel Johnson (Edinburgh Southern) (Lab) Lab
There has not been a successful application since 2016. Is there any insight as to why that has occurred, and does the Government have any reflection on that...
Ben Macpherson SNP
We will, of course, cover that in the review that the cabinet secretary mentioned. However, to maximise the support, we are currently considering eligibility...
Mercedes Villalba (North East Scotland) (Lab) Lab
Will the minister give way?
Ben Macpherson SNP
I am a bit pushed for time, but I am sure that Mercedes Villalba will be able to speak in the debate. Moreover, for many households who are struggling to me...
The Deputy Presiding Officer LD
I call Miles Briggs. You can have up to four minutes. 16:34
Miles Briggs (Lothian) (Con) Con
I thank the Labour Party for bringing this debate to the Parliament today. I always welcome the opportunity to debate housing policy, and, given the housing ...
Shona Robison SNP
Ben Macpherson said that around 80 per cent of beneficiaries of help to buy would have been able to purchase a property without Government support. Given tha...
Miles Briggs Con
It is quite clear whom the cabinet secretary does not want to help: it is the people she sees as the super-rich—people like nurses, police officers and teach...
Shona Robison SNP
Will the member take another intervention?
Miles Briggs Con
I do not have time. I have only four minutes. We need the Government to look at the situation. It used to support helping Scots to get on to the property la...
Stuart McMillan (Greenock and Inverclyde) (SNP) SNP
Will the member take an intervention?
Miles Briggs Con
I am sorry, but I do not have time. I have only a few seconds left. That is why members on the Conservative benches think that it is time to take forward ne...
Alex Cole-Hamilton (Edinburgh Western) (LD) LD
I am pleased to speak for my party in this important debate and I congratulate Mark Griffin on securing time for it. It is undeniable that the cost of livin...
Fulton MacGregor (Coatbridge and Chryston) (SNP) SNP
Will the member give way?
Alex Cole-Hamilton LD
I do not have very much time, but I will give way to Fulton MacGregor.
Fulton MacGregor SNP
I know that the member does not like independence and would not vote for it, but does he accept that an independence referendum would give people a choice to...
Alex Cole-Hamilton LD
The great snake oil that the SNP tries to sell us is that independence would somehow be an antidote to all the problems that we face. It would compound all t...
The Deputy Presiding Officer LD
We move to the open debate. 16:43
Paul Sweeney (Glasgow) (Lab) Lab
We again find ourselves debating the cost of living crisis. It is critical to people across Scotland and it is the most important topic of conversation, bar ...