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Chamber and committees

Official Report: search what was said in Parliament

The Official Report is a written record of public meetings of the Parliament and committees.  

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Dates of parliamentary sessions
  1. Session 1: 12 May 1999 to 31 March 2003
  2. Session 2: 7 May 2003 to 2 April 2007
  3. Session 3: 9 May 2007 to 22 March 2011
  4. Session 4: 11 May 2011 to 23 March 2016
  5. Session 5: 12 May 2016 to 4 May 2021
  6. Current session: 13 May 2021 to 9 March 2026
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Displaying 2127 contributions

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Meeting of the Parliament

Cost of Living: Mortgage Rescue Scheme

Meeting date: 23 November 2022

Shona Robison

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 that, is Miles Briggs saying that we should take money out of the affordable housing supply programme, which helps people who could not afford to buy their own home or rent a home, and put it into help to buy? We need clarity from Miles Briggs on that.

Meeting of the Parliament

Cost of Living: Mortgage Rescue Scheme

Meeting date: 23 November 2022

Shona Robison

Let me first welcome this debate, and ideas from across the chamber. Alex Rowley was quite right to call for us to work together where we can, and I will certainly attempt to do that, whether on this issue or others.

I will start with the record on affordable housing delivery. The Scottish Government has, according to all the available facts, led the way across the UK, with almost 113,000 affordable homes having been delivered since 2007. That is important, because all the poverty bodies that analyse these things say that the key reason why child poverty levels are lower in Scotland is the delivery of affordable housing. More than 79,000 homes have been delivered for social rent, including more than 19,000 council homes. A £3.6 billion package of investment has been made available this parliamentary session for the delivery of affordable homes, so that we can continue the important work that we started in 2007. We have also helped 19,000 households into home ownership since 2007.

Meeting of the Parliament

Cost of Living: Mortgage Rescue Scheme

Meeting date: 23 November 2022

Shona Robison

The overall supply is important. Daniel Johnson will be aware that part of the issue is that the post-Covid recovery of the construction sector, inflation and interest rates all impact on all sectors of house building. That makes it really difficult to ensure that we get as much value from that £3.6 billion, which is, of course, grown by registered social landlords and local authorities in making that package go further.

However, it is an understatement to say that the Tories lack credibility in this area, with their total denial of responsibility. Clearly their briefing sheets for this debate said something like, “Talk about global issues and global factors. Shift the blame.” Well, the blame cannot be shifted. Whether because of their responsibility for soaring interest rates and what that means for mortgage holders, or because of the UK Tory Government’s delivery of affordable housing, the truth is that they have no credibility in this area. This is a Tory-caused cost of living crisis and people will have to pick up the pieces.

Meeting of the Parliament

Cost of Living: Mortgage Rescue Scheme

Meeting date: 23 November 2022

Shona Robison

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. Therefore, the very issues that he raises are already being looked at. Does he not accept that?

Meeting of the Parliament

Cost of Living: Mortgage Rescue Scheme

Meeting date: 23 November 2022

Shona Robison

Will the member take another intervention?

Meeting of the Parliament

Cost of Living: Mortgage Rescue Scheme

Meeting date: 23 November 2022

Shona Robison

The UK Tory Government has an appalling record on affordable housing delivery, and Miles Briggs knows it.

As for investment, inflation has ripped £1.7 billion-worth of investment out of the Scottish Government’s budget availability. Miles Briggs talks about investment in affordable housing and temporary accommodation, but he wants to take money out of the affordable housing supply programme and put it into helping the better-off to purchase their homes. He needs to explain to people in this city why he wants to do that at their expense, because essentially that is what will happen.

Miles Briggs rose—

Meeting of the Parliament

Cost of Living: Mortgage Rescue Scheme

Meeting date: 23 November 2022

Shona Robison

Okay. In conclusion, this cost crisis is impacting on everyone—

Meeting of the Parliament

Cost of Living: Mortgage Rescue Scheme

Meeting date: 23 November 2022

Shona Robison

We will review the home owners support fund, and we will be happy to work with others in doing that.

17:26  

Meeting of the Parliament

Cost of Living: Mortgage Rescue Scheme

Meeting date: 23 November 2022

Shona Robison

I do not know whether—

Meeting of the Parliament

Cost of Living: Mortgage Rescue Scheme

Meeting date: 23 November 2022

Shona Robison

The review is on-going; it is already under way and will be concluded in the spring. It is important to get it right to make sure that it will actually help that wider group of people who might need help over the coming months.