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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

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 none. It impacts on each and every one of our constituents, regardless of their financial circumstances, but there can be no doubt that the poorest and most vulnerable will be disproportionately affected.

We have an economy that has flatlined, a Government that has run out of ideas and a UK policy landscape that takes us back to George Osborne’s austerity agenda. As we look set to embark on austerity 2.0, it is important that we consider what that will mean for our economy and our people in the years to come.

The OBR estimates that the measures that were outlined in the chancellor’s budget last week will result in a 7 per cent drop in household incomes over the next two years, culminating in the biggest fall in living standards since records began, which is six decades ago. The Organisation for Economic Co-operation and Development predicts that the British economy will contract by 0.4 per cent of gross domestic product next year and that it is already in recession. It also predicts that Russia will be the only advanced economy in the world to perform worse.

The Joseph Rowntree Foundation has issued a stark warning that, next year, some people in the UK could be up to £538 worse off than they are this year. There have also been warnings that unemployment could be about to surpass half a million by the end of 2024, with the economic and social consequences that that will have for our communities.

The worst part of it all is that we have already tried austerity economics; the Tories embarked on it in 2010 only for it to deliver flatlining growth and stagnating productivity while eroding the wages and conditions of working people. We know the human impact that it had, too. We saw it first hand in Glasgow, with recent research from the University of Glasgow and the Glasgow Centre for Population Health concluding that more than 330,000 excess deaths could be linked to the austerity programme that was pursued by the British Government during its 2010 to 2017 agenda. That is a grotesque failure of public policy that cannot be allowed to be repeated.

We are also in the, frankly, perverse situation in which those who lauded the tax-cutting, high-spending mini-budget of Truss and Kwarteng are the exact same people who are triumphantly applauding the tax-raising, austerity-imposing autumn budget of Sunak and Hunt. It is politicking at its most cynical, and voters will not forget it.

Labour has proposed a series of alternatives for our economy and a policy platform that stands in direct contrast to the one that has been outlined by the current Conservative Government. We want to see a publicly owned energy generation company, which both the Tories and the SNP have failed to implement despite having more than a decade to do it. We want to see the threshold for the top rate of income tax in Scotland dropped from £150,000 a year to £120,000 a year, which the Government has yet to agree to. We want to see a return of the mortgage to shared equity scheme, to which today’s motion refers.

For all the reasons that we have discussed—many of which I think the majority of us agree on—we need tangible action in both the short and longer term. For too long, we have looked at our economy as though we are accountants, by shifting money from one portfolio to another portfolio without any real understanding of the economic impact and the economic multiplier effect that some of our decisions have.

We need a focus on public sector investment that will produce long-term growth and innovation. It is abundantly clear that more of the same economic austerity and doom loop of decline that has been handed down to our communities for too long simply will not work. It has never worked, it will not be accepted by working people and it should not be accepted by the Parliament. It is time to say that enough is enough.

16:47  

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 ...