- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Date lodged: Wednesday, 31 August 2022
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Current Status:
Answered by Shona Robison on 20 September 2022
To ask the Scottish Government, further to the answer to question S6W-09619 by Shona Robison on 19 July 2022, how many buildings to date have been remediated by developers across Scotland, broken down by local authority.
Answer
Data on developer led remediated buildings is not held by the Scottish Government.
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Submitting member has a registered interest.
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Date lodged: Tuesday, 06 September 2022
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Current Status:
Answered by Patrick Harvie on 20 September 2022
To ask the Scottish Government how many (a) unique households, (b) advice interactions, including advice provided to customers during telephone or email advice discussions and (c) low-income, potentially fuel-poor clients who were offered support Home Energy Scotland (i) has had capacity to support and (ii) has actually supported, in each year of its operation.
Answer
Please find data below for Home Energy Scotland advice interactions. Prior to 2013, fuel poverty was not a separate focus for advice services. Specific fuel poverty advice services figures are only available from 2013.
| | 2013-14 | 2013-14 | 2014-15 | 2014-15 | 2015-16 | 2015-16 | 2016-17 | 2016-17 | 2017-18 | 2017-18 |
target | actual | target | actual | target | actual | target | actual | target | actual |
Unique households | 125,000 | 90,887 | 120,000 | 98,998 | 110,000 | 94,411 | 95,000 | 92,618 | 85000 | 93,962 |
Advice interactions | 200,000 | 182,158 | 180,000 | 326,600 | 165,000 | 333,609 | 260,000 | 305,672 | 260,000 | 313,170 |
Low-income, potentially fuel poor clients offered support | 55,000 | 49,404 | 55,000 | 45,932 | 55,000 | 43,148 | 55,000 | 33,322 | 35,000 | 31,598 |
| | 2018-19 | 2018-19 | 2019-20 | 2019-20 | 2020-21 | 2020-21 | 2021-22 | 2021-22 | 2022-23 |
target | actual | target | actual | target | actual | target | actual | target |
Unique households | 87,500 | 89,018 | 87,500 | 92,681 | 77,000 | 90,468 | 120,000 | 114,392 | 132,000 |
Advice interactions | 260,000 | 315,912 | 260,000 | 314,989 | 260,000 | 345,344 | 400,000 | 424,083 | 440,000 |
Low-income, potentially fuel poor clients offered support | 35,000 | 30,920 | 35,000 | 38,737 | 35,000 | 46,369 | 36,000 | 42,092 | 44,000 |
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Submitting member has a registered interest.
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Date lodged: Thursday, 01 September 2022
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Current Status:
Answered by Shona Robison on 20 September 2022
To ask the Scottish Government which indicators it currently uses for the housing and regeneration indicators, as set out in its housing and regeneration outcomes framework; on what date each indicator (a) was last updated and (b) is due to be updated, and what the status is of any work to update each indicator.
Answer
The Scottish Government published an update to the housing and regeneration outcomes indicators on 16 June 2020. The `Sources, Thresholds & Updates` tab of the master spreadsheet details dates that each indicator was last updated. This spreadsheet also shows each indicator that is used by the Scottish Government.
Work is underway to update indicators with the latest available data where available, and will be published before 9 November 2022. However, some data sources do not have available data for more recent years to allow for the associated indicators to be updated. This is for a number of reasons, including the impact from coronavirus and resulting restrictions, and other changes on data collection. Affected indicators will be detailed in the publication.
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Date lodged: Wednesday, 07 September 2022
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Current Status:
Answered by Shona Robison on 20 September 2022
To ask the Scottish Government how many representatives of the mortgage lending industry it has met in 2022 to discuss the implications of the cost of living crisis for homeowners with mortgages on their property.
Answer
Scottish Ministers and officials regularly meet with representatives of the financial services sector, including lenders, to discuss a range of matters including measures to support households and businesses.
The Deputy First Minister met with the financial services sector (the quarterly Financial Services Growth and Development Board (FISGAD)) on 30 August 2022. Details of the membership of the Board can be found at https://www.gov.scot/groups/financial-services-growth-and-development-board/
Officials also regularly engage with UK Finance (representative body for the banking and Finance Industry). Details of UK Finance membership can be found at https://www.ukfinance.org.uk/
Attendees at such meetings vary according to representatives' availability.
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Date lodged: Wednesday, 07 September 2022
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Current Status:
Answered by Shona Robison on 20 September 2022
To ask the Scottish Government which mortgage lenders it has met in 2022 to discuss the implications of the cost of living crisis for homeowners with mortgages on their property.
Answer
I refer the member to the answer to question S6W-10920 on 20 September 2022. All answers to written Parliamentary Questions are available on the Parliament's website, the search facility for which can be found at https://www.parliament.scot/chamber-and-committees/written-questions-and-answers
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Date lodged: Wednesday, 07 September 2022
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Current Status:
Answered by Shona Robison on 20 September 2022
To ask the Scottish Government whether it will provide details of options that it discussed with representatives of the mortgage lending industry regarding the implications of the cost of living crisis for homeowners with mortgages on their property, and what the policy outcomes were of those discussions.
Answer
Oversight and regulation of mortgage lenders is a reserved matter, as a result the Scottish Government has no powers or authority to intervene in the operation of the mortgage market, nor control mortgage or general borrowing rates.
However, the Scottish Government is committed to using levers it has available to support households through the Cost Crisis. Scottish Ministers and officials regularly meet with representatives of the financial services sector, including lenders, to discuss a range of matters including measures to support households and businesses in Scotland and have committed to continued collaboration throughout the cost crisis to tackle the immediate challenges and address key underlying structural issues.
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Submitting member has a registered interest.
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Date lodged: Thursday, 11 August 2022
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Current Status:
Answered by Shona Robison on 7 September 2022
To ask the Scottish Government, regarding the Home Owners’ Support Fund, what (a) written or electronic (i) promotional
materials (ii) briefings and (iii) training and (b) promotional meetings it has
provided or offered to (A) money advisers acting on behalf of applicants (B)
social landlords who are part of the Mortgage to Rent scheme (C) trustees
acting on behalf of applicants (D) UK lenders and (E) others, in the last 12
months.
Answer
Guidance documents for each participant are available at Support for homeowners at risk of homelessness - Homelessness - gov.scot (www.gov.scot). HOSF officials regularly provide support and information to applicants, Money Advisers, Social Landlords, Trustees and Lenders on individual applications.
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Submitting member has a registered interest.
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Date lodged: Wednesday, 10 August 2022
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Current Status:
Answered by Shona Robison on 7 September 2022
To ask the Scottish Government what the (a) budget and (b) expenditure of the Home Owners' Support Fund has been in each of the past six years, broken down by the (i) Mortgage to Rent and (ii) Mortgage to Shared Equity schemes, and whether any underspend (A) has been carried forward to 2022-23 and (B) can be carried forward to 2023-24.
Answer
The following table shows Home Owners Support Fund (HOSF) budget and expenditure for each of the last six years broken down by Mortgage to Rent (MTR) and Mortgage to Shared Equity (MTSE). HOSF is a demand led scheme and any difference between budget and actual spend reflects demand in that year and so there is no underspend or carry forward.
Financial Year | HOSF Budget | HOSF MTR Actual Expenditure | HOSF MTSE Actual Expenditure | Total Expenditure |
(£m) | (£m) | (£m) | (£m) |
2016-17 | 5.000 | 2.980 | 0.000 | 2.980 |
2017-18 | 3.000 | 1.127 | 0.000 | 1.127 |
2018-19 | 2.500 | 1.536 | 0.000 | 1.536 |
2019-20 | 2.500 | 1.191 | 0.000 | 1.191 |
2020-21 | 2.000 | 0.303 | 0.000 | 0.303 |
2021-22 | Figures will be published shortly |
Total (£m) | 15.000 | 7.137 | 0.000 | 7.137 |
Budget and expenditure figures for 2021-22 will be published shortly.
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Submitting member has a registered interest.
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Date lodged: Wednesday, 10 August 2022
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Current Status:
Answered by Shona Robison on 7 September 2022
To ask the Scottish Government how many staff have been (a) trained and (b) allocated to deal with applications for the Home
Owners' Support Fund, in each of the last six years.
Answer
The following table shows how many staff have been allocated to the Home Owners Support Fund in recent years. Staff are fully trained and highly experienced and levels have been sufficient to meet demand for the Fund.
Financial Year | Number of HOSF Staff |
2015-16 | * |
2016-17 | 6 |
2017-18 | 5 |
2018-19 | 3 |
2019-20 | 3 |
2021-22 to present day | 4 |
* No figure for this year
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Submitting member has a registered interest.
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Date lodged: Wednesday, 10 August 2022
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Current Status:
Answered by Shona Robison on 7 September 2022
To ask the Scottish Government how many (a) enquiries about and (b) applications for the Home Owners' Support Fund it has received in each of the last six years, broken down by the (i) Mortgage to Rent and (ii) Mortgage to Shared Equity schemes, and, of those applications that were received, how many were (A) successful and (B) ineligible.
Answer
The Scottish Government does not collect information on enquiries relating to the Home Owners Support Fund (HOSF). The Mortgage to Rent (MTR) and Mortgage to Shared Equity (MTSE) schemes are delivered as part of the HOSF programme. Each application is assessed on a case by case basis to determine which scheme best meets the applicant’s needs. During the last six years there have been no cases eligible for MTSE, due to the circumstances of applicants not meeting the eligibility criteria, in particular applicants with complex debts.
The following table shows the number of applications received during each of the last six years, the number of applications successfully completed and the number of cases closed due to ineligibility. Mortgage to Rent is a voluntary scheme and participation from applicants, lenders, trustees and social landlords is required for a case to succeed.
Mortgage to Rent Applications* |
Year | Received | Successful | Ineligible |
2016-17 | 113 | 65 | 20 |
2017-18 | 91 | 39 | 17 |
2018-19 | 106 | 32 | 30 |
2019-20 | 79 | 28 | 16 |
2020-21 | 20 | 8 | 7 |
2021-22 | 36 | 9 | 10 |
*Figures for received, successful and ineligible do not necessarily refer to the same cases.
We have received significantly fewer applications during the last two financial years. Regulations were introduced by the Scottish Government that protected homeowners in financial difficulty from repossession at the height of the pandemic. n addition, the Financial Conduct Authority (FCA) and mortgage lenders also put in place temporary measures to assist homeowners facing difficulties in managing their mortgage repayments. From March 2020 to March 2021, mortgage lenders offered payment deferrals of up to six months and whilst those temporary measures have now expired, the FCA continues to work with lenders to help improve and strengthen arrears management and mortgage lenders must demonstrate that they have done everything required to make repossession a matter of last resort.