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1124233

registered interest
date	01/05/2019
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, what steps the Government has taken to improve access to the mortgage market for underserved groups.
tabling member constituency	Stalybridge and Hyde
tabling member printed	Jonathan Reynolds
uin	249972
answer	answer is ministerial correction date of answer 13/05/2019 answer text <p>The Government is committed to maintaining an accessible mortgage market. The Financial Conduct Authority (FCA), which is responsible for regulating the market and protecting consumers, found in their Mortgage Market Study, published March 2019, that the market is working well and that consumers have access to mortgages that are suitable and affordable.</p><p> </p><p>The FCA recognises that lenders should have flexibility to decide what type of evidence of income they can accept from customers, including those who are self-employed or have alternative sources of income.</p><p> </p><p>Many lenders also offer custom mortgage products designed for contractors or the self-employed. These commonly include features designed to account for income volatility, such as the ability to make capital repayments at any time, or income assessments using averaged figures to smooth out monthly variations.</p><p> </p><p>Beyond the FCA’s regulations, decisions around the type and availability of mortgage products are commercial decisions for lenders, and the Government does not seek to intervene in these decisions.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 249973 question first answered 13/05/2019 14:14:54 answering member 4051 label Biography information for John Glen
tabling member	4119 label Biography information for Jonathan Reynolds

1124234

registered interest
date	01/05/2019
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, what steps the Government is taking to improve access to the mortgage market for (a) small business owners, (b) self-employed people and (c) people working in the gig economy.
tabling member constituency	Stalybridge and Hyde
tabling member printed	Jonathan Reynolds
uin	249973
answer	answer is ministerial correction date of answer 13/05/2019 answer text <p>The Government is committed to maintaining an accessible mortgage market. The Financial Conduct Authority (FCA), which is responsible for regulating the market and protecting consumers, found in their Mortgage Market Study, published March 2019, that the market is working well and that consumers have access to mortgages that are suitable and affordable.</p><p> </p><p>The FCA recognises that lenders should have flexibility to decide what type of evidence of income they can accept from customers, including those who are self-employed or have alternative sources of income.</p><p> </p><p>Many lenders also offer custom mortgage products designed for contractors or the self-employed. These commonly include features designed to account for income volatility, such as the ability to make capital repayments at any time, or income assessments using averaged figures to smooth out monthly variations.</p><p> </p><p>Beyond the FCA’s regulations, decisions around the type and availability of mortgage products are commercial decisions for lenders, and the Government does not seek to intervene in these decisions.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 249972 question first answered 13/05/2019 14:14:54 answering member 4051 label Biography information for John Glen
tabling member	4119 label Biography information for Jonathan Reynolds

1124300

registered interest
date	01/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Community Land Trusts: Capital Gains Tax
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what plans he has to grant full Capital Gains Tax relief for land sales to a Community Land Trust for affordable homes.
tabling member constituency	North Herefordshire
tabling member printed	Bill Wiggin
uin	249884
answer	answer is ministerial correction date of answer 13/05/2019 answer text <p>The Government is committed to improving the supply of affordable homes. Since 2010, we have increased housing supply by over 1.3 million homes, including 407,000 affordable homes.</p><p> </p><p>We do not currently have plans to grant full Capital Gains Tax relief for land sales to a Community Land Trust. The Government considers that the extent to which a Capital Gains Tax relief for land sales to a Community Land Trust would incentivise such behaviour is uncertain. Tax reliefs have an Exchequer cost, and in contemplating such a relief the Government must consider the potential deadweight cost of any benefit going to people who would have sold the land to a Community Land Trust anyway.</p> answering member constituency Central Devon answering member printed Mel Stride question first answered 13/05/2019 15:52:07 answering member 3935 label Biography information for Mel Stride
tabling member	1428 label Biography information for Sir Bill Wiggin

1124310

registered interest
date	01/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Cash Dispensing: Fees and Charges
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps he is taking to ensure the continued provision of free cash withdrawals at ATMs.
tabling member constituency	Hornsey and Wood Green
tabling member printed	Catherine West
uin	250016
answer	answer is ministerial correction date of answer 13/05/2019 answer text <p>The Government-established Payment Systems Regulator (PSR) is closely monitoring developments in ATM provision. The PSR regulates LINK, the scheme which runs the UK’s ATM network, and has used its powers to hold LINK to account over LINK’s commitments to preserve the broad geographic spread of the ATM network.</p><p> </p><p>The PSR has set out requirements of LINK, including that any cuts to interchange fees (the fees which fund free-to-use ATMs) must be incremental, with action taken by LINK where the impact is not as expected. Having implemented two of the four planned incremental reductions to the interchange fee, LINK has cancelled the third reduction and put on hold the fourth. The PSR welcomed these adjustments, having stated that LINK must carefully review its decisions on interchange fees to reflect changing market conditions. These adjustments gave the PSR further assurances that LINK is committed to making sure communities do not lose their free-to-use ATMs.</p><p> </p><p>LINK has put in place specific arrangements to protect free-to-use ATMs more than 1 kilometre away from the next nearest free-to-use ATM. LINK has also enhanced its Financial Inclusion Programme by tripling the funding available to ATMs in the most deprived areas of the UK and undertaken new financial support for ATMs in remote and deprived areas.</p> answering member constituency Salisbury answering member printed John Glen question first answered 13/05/2019 14:34:54 answering member 4051 label Biography information for John Glen
tabling member	4523 label Biography information for Catherine West

1124367

registered interest
date	01/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Child Benefit: British Nationals Abroad
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what estimate he has made of the cost to the public purse of child benefit paid for children who do not reside in the UK; how many such children there were; and in which countries those children resided in the most recent financial year for which data are available.
tabling member constituency	Birkenhead
tabling member printed	Frank Field
uin	249899
answer	answer is ministerial correction date of answer 13/05/2019 answer text <p>Total Child Benefit payments in 2018-19 amounted to £11.6 billion. It is estimated that approximately £15 million was paid for children resident in another EEA country or Switzerland. The number of children these payments relate to, broken down by the country they reside in, is provided in Table 1 below.</p><p> </p><p>Table 1: Estimated number of children for whom Child Benefit is received where European Community regulations apply, as at February 2019</p><table><tbody><tr><td><p> </p></td><td><p> </p></td></tr><tr><td><p><strong>Country</strong></p></td><td><p><strong>Number of children</strong></p></td></tr><tr><td><p>Austria</p></td><td><p>10</p></td></tr><tr><td><p>Belgium</p></td><td><p>40</p></td></tr><tr><td><p>Bulgaria</p></td><td><p>415</p></td></tr><tr><td><p>Croatia</p></td><td><p>45</p></td></tr><tr><td><p>Cyprus</p></td><td><p>40</p></td></tr><tr><td><p>Czech Republic</p></td><td><p>165</p></td></tr><tr><td><p>Denmark</p></td><td><p>20</p></td></tr><tr><td><p>Estonia</p></td><td><p>35</p></td></tr><tr><td><p>Finland</p></td><td><p>25</p></td></tr><tr><td><p>France</p></td><td><p>605</p></td></tr><tr><td><p>Germany</p></td><td><p>165</p></td></tr><tr><td><p>Greece</p></td><td><p>55</p></td></tr><tr><td><p>Hungary</p></td><td><p>150</p></td></tr><tr><td><p>Iceland</p></td><td><p>5</p></td></tr><tr><td><p>Italy</p></td><td><p>170</p></td></tr><tr><td><p>Latvia</p></td><td><p>700</p></td></tr><tr><td><p>Liechtenstein</p></td><td><p>-</p></td></tr><tr><td><p>Lithuania</p></td><td><p>790</p></td></tr><tr><td><p>Luxembourg</p></td><td><p>10</p></td></tr><tr><td><p>Malta</p></td><td><p>25</p></td></tr><tr><td><p>Norway</p></td><td><p>40</p></td></tr><tr><td><p>Poland</p></td><td><p>10,975</p></td></tr><tr><td><p>Portugal</p></td><td><p>230</p></td></tr><tr><td><p>Republic of Ireland</p></td><td><p>1,945</p></td></tr><tr><td><p>Romania</p></td><td><p>1,000</p></td></tr><tr><td><p>Slovakia</p></td><td><p>575</p></td></tr><tr><td><p>Slovenia</p></td><td><p>-</p></td></tr><tr><td><p>Spain</p></td><td><p>625</p></td></tr><tr><td><p>Sweden</p></td><td><p>30</p></td></tr><tr><td><p>Switzerland</p></td><td><p>20</p></td></tr><tr><td><p>The Netherlands</p></td><td><p>215</p></td></tr><tr><td><p><strong>Total</strong></p></td><td><p><strong>19,120</strong></p></td></tr></tbody></table><p>Footnote: Figures have been rounded to the nearest 5. Figures under 5 have been suppressed and shown as ‘-’.</p> answering member constituency Central Devon answering member printed Mel Stride question first answered 13/05/2019 16:27:35 answering member 3935 label Biography information for Mel Stride
tabling member	478 label Biography information for Lord Field of Birkenhead