Posted: April 30, 2014 | Author: julesbirch | Filed under: Homelessness, Housing benefit, London, Television, Welfare reform | Tags: How to Get a Council House |
In case you missed it, How to Get a Council House is back – and so is the controversy about TV stereotypes and the hashtag on twitter.
The second series of the Channel 4 show focuses on the London Borough of Tower Hamlets and people affected by the benefit cap (two weeks ago), applying as homeless (last week) and in temporary accommodation (this week).
As with the first series, it’s provoked some strong reactions and it almost feels like we are in two different countries when I look on twitter.
Read the rest of this post on Inside Edge, my blog for Inside Housing
Posted: April 28, 2014 | Author: julesbirch | Filed under: Buy to let, Housing market, Mortgages, Regulation | Tags: MMR |
Will the new mortgage rules tilt the playing field even further in favour or the housing haves and against the have-nots?
On the face of it’s hard to argue with the idea that lenders should check whether borrowers can actually afford their mortgage before they make the loan. But is it quite that simple?
After a long consultation, the new Mortgage Market Review (MMR) regime finally came into force on Saturday. The aim is to prevent a repeat of the irresponsible surge in lending seen before 2007. The lax rules then were symbolised by the self-certified mortgage, or liar loan, which is now banned.
Read the rest of this post on Inside Edge, my blog for Inside Housing
Posted: April 22, 2014 | Author: julesbirch | Filed under: Social housing, Welfare reform | Tags: hsa2014 |
With 13 months left until the general election, how can housing demonstrate its economic, social and political value?
Ruth Davison of the National Housing Federation was in no doubt speaking to the annual conference of the Housing Studies Association in York last week. ‘It’s time to stop researching and start broadcasting,’ she told the assembled academics.
I’m not sure anyone in the audience was ready to go quite that far but her underlying point was well made. The evidence about the beneficial impact that housing can have across a vast range of fields is out there and the political parties seem at least for the moment prepared to listen. So why not shout about it?
The evidence and the politics both emerged in a debate I chaired at the conference on ‘who is best placed to judge the value of housing – the state or the consumer’. It produced some expected and some very unexpected results.
Read the rest of this post on Inside Edge, my blog for Inside Housing
Posted: April 15, 2014 | Author: julesbirch | Filed under: Housebuilding, Housing market, Ireland, Social housing |
As ever the new UK Housing Review offers a mix of authoritative statistics and some fascinating new insights on housing across all tenures.
Published this week, the 2014 edition of the bible for housing types edited by Steve Wilcox and John Perry mixes a compendium of statistics plus several chapters of expert commentary. It’s also one of the few publications to compare housing in the different nations of the UK. All that’s missing is an index.
Reports elsewhere have highlighted the bias in the mortgage market towards landlords and the threat to the affordable homes programme after 2015 but I’ve picked out three more themes to illustrate the breadth of what’s on offer in the review.
Read the rest of this post on Inside Edge, my blog for Inside Housing
Posted: April 13, 2014 | Author: julesbirch | Filed under: Help to Buy, Housebuilding, Housing market |
So a year in to Help to Buy, who has it helped and what has the impact been so far?
Those are the questions I set out to answer in my feature in this week’s Inside Housing. It concludes that the limited number of Help to Buy transactions seen so far cannot have been enough on their own to account for what’s happened in the market in its first year. What’s been far more significant is the impact on the behaviour of buyers, sellers and housebuilders of a signal from the government that it will do everything it can to generate a housing market recovery. That, combined with a range of other government policies (and non-policies) and the favourable environment of record low interest rates, has duly produced one.
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Posted: April 9, 2014 | Author: julesbirch | Filed under: Bedroom tax, Housing benefit, Poverty, Social housing, Universal credit, Welfare reform | Tags: Iain Duncan Smith, Joseph Rowntree Foundation |
Getting the same criticism from different people is usually a sign you’ve got something wrong. How about for IDS and the DWP?
Three different reports published this morning amplify earlier warnings about the implementation of the bedroom tax, the wider impact of welfare reform on tenants and landlords and the prospects for universal credit. But it would surprise nobody if the work and pensions secretary saw them as yet more evidence that his reforms are a success.
Two of them come from the Joseph Rowntree Foundation (JRF). Steve Wilcox finds that what he neutrally calls the ‘housing benefit size criteria’ has affected fewer people than expected but that half of those are in arrears and 100,000 who want to downsize are trapped and unable to move. Anne Power concludes that welfare reforms may end up making tenants more, rather than less, dependent and are making them more vulnerable.
The third is from the work and pensions committee and warns that it is still not clear that universal credit will work. The MPs on the all-party committee think that implementation will be delayed even further and have some strong words about Iain Duncan Smith’s attitude towards their scrutiny.
Read the rest of this post on Inside Edge, my blog for Inside Housing
Posted: April 8, 2014 | Author: julesbirch | Filed under: Affordable housing, Local government, Social housing | Tags: Affordable rent, Council housing |
The affordable v social debate took centre stage in the Commons yesterday and also emerged as an issue in the prospectus for new borrowing for council housing.
Communities and Local Government questions initially saw the usual routine in which a Labour MP asks a question about social rented housing and coalition ministers boast about the affordable homes programme.
Yesterday was different. Perhaps it was because Labour’s Heidi Alexander challenged the obfuscation directly:
‘I asked the Minister about social rented housing, not just affordable housing. The truth is that this Government do not want to build social housing; they want to decimate it. Will he tell me why the number of social rented homes being built in London last year was roughly one tenth of the number being built in the capital in 2009?’
And perhaps it was because the minister answering the question was not the housing minister Kris Hopkins but his fellow junior communities minister Stephen Williams. Hopkins seemed to be confined to questions about private renting and self build and, disappointingly, was not asked about his contention on Newsnight that rising house prices are ‘a good thing’.
Read the rest of this post on Inside Edge, my blog for Inside Housing
Posted: April 2, 2014 | Author: julesbirch | Filed under: Bedroom tax, Housing benefit, Social housing, Welfare reform | Tags: Tim Farron, Work and pensions committee |
Today’s report from the work and pensions committee is an all-party challenge to the fundamental principles of the government’s reforms of housing benefit.
To my mind it is the most serious attack on the bedroom tax, the benefit cap and a swathe of other reforms since the government was forced to overturn House of Lords amendments to the Welfare Reform Act on the grounds of financial privilege.
But you would not guess it from reports in the national media this morning. On Radio 4’s Today programme it was only judged the third most important select committee report of the day and the second most important housing story behind the Nationwide house price index. It’s also downplayed elsewhere with headlines about ‘distress’ and ‘hardship’ or even stolen by Tim Farron rather than about the committee’s call for wholesale changes that could benefit hundreds of thousands of people.
Read the rest of this post on Inside Edge, my blog for Inside Housing
Posted: April 1, 2014 | Author: julesbirch | Filed under: Bedroom tax, Housing benefit, Universal credit, Welfare reform | Tags: Esther McVey, Iain Duncan Smith |
Stop carping, you lot. The removal of the spare room subsidy is a success.
Today is of course the first of the month as well as the first anniversary of the introduction of the bedroom tax and a wave of other welfare reforms. But I am paraphrasing Iain Duncan Smith and Esther McVey rather than making a token effort at an April Fool.
Yesterday’s work and pensions questions brought inevitable attacks on the policy that has caused so much controversy since its introduction a year ago.
Labour’s Kate Green quoted last week’s reports from the BBC that just 6 per cent of households affected by the bedroom tax have managed to move and from Real Life Reform that eight out of ten are in debt and their borrowing is increasing by £52 a week. ‘Rather than preaching about careful budgeting, why do Ministers not just scrap this hated and unworkable tax, which is sending people spiralling into debt? Read the rest of this entry »
Jules Birch 