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1685464

registered interest
date	29/01/2024
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, with reference to the Answer of 8 March 2023 to Question 157639 on Mortgages, whether he plans to publish a response to the report entitled Releasing the Mortgage Prisoners, published on 1 March 2023.
tabling member constituency	Feltham and Heston
tabling member printed	Seema Malhotra
uin	11794
answer	answer is ministerial correction date of answer 06/02/2024 answer text <p>The Government understands that being unable to switch your mortgage can be extremely stressful and, alongside the Financial Conduct Authority and industry, have shown we are willing to act, such as through the introduction of a ‘modified affordability assessment’.</p><p> </p><p>The Government remains committed to this issue, and we are considering the proposals put forward in this report very carefully. While we cannot force lenders to lend to borrowers they consider too high a risk, we welcome views on any further practical and proportionate solutions that would meaningfully assist affected borrowers and be fair to other borrowers in the wider market. We are also regularly in contact with key stakeholders, including recently with the UK Mortgage Prisoners campaign group, to discuss potential solutions.</p> answering member constituency Hitchin and Harpenden answering member printed Bim Afolami question first answered 06/02/2024 11:17:55 answering member 4639 label Biography information for Bim Afolami
tabling member	4253 label Biography information for Seema Malhotra

1684649

registered interest
date	23/01/2024
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages
house id	2
legislature	25277 pref label House of Lords
question text	To ask His Majesty's Government what assessment they have made of the long-term impact of their proposed 99 per cent mortgage scheme on (1) the housing market, and (2) borrowers.
tabling member printed	Lord Taylor of Warwick
uin	HL1880
answer	answer is ministerial correction date of answer 06/02/2024 answer text <p>The Government does not comment on theoretical schemes but continues to keep policy under review. The Government remains committed to supporting people of all incomes and at all stages of life in order to make the aspiration of home ownership a reality for as many households as possible.</p><p> </p><p>The Mortgage Guarantee Scheme – launched in April 2021 – continues to support homebuyers and movers with deposits as small as 5%. As of June 2023, the scheme has directly helped over 39,000 households to buy their homes, 86% of which have been first-time buyers.</p> answering member printed Baroness Vere of Norbiton question first answered 06/02/2024 12:28:56 answering member 4580 label Biography information for Baroness Vere of Norbiton
tabling member	1796 label Biography information for Lord Taylor of Warwick