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1149074

	registered interest
	date	14/10/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Financial Services: EU Countries
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what the Government's preferred method is of ensuring continued market access to the EU for UK-based financial services firms after the UK leaves the EU.
	tabling member constituency	Stalybridge and Hyde
	tabling member printed	Jonathan Reynolds
	uin	262
	answer	answer is ministerial correction date of answer 21/10/2019 answer text <p>The Government is determined to leave the EU with a deal. We are committed to an ambitious, broad, deep and flexible economic partnership, based on a best in class Free Trade Agreement. This is the best way to maintain and enhance our position as an open, global leader in financial services after we leave the EU.</p><p> </p><p>The UK is committed to a relationship based on an expanded and improved approach to equivalence. That is the best short and long-term solution for markets, firms and investors in both the UK and the EU. Such a relationship respects the autonomy of each Party over judgements about access to their market and over legislation.</p> answering member constituency Salisbury answering member printed John Glen question first answered 21/10/2019 14:34:57 answering member 4051 label Biography information for John Glen
	tabling member	4119 label Biography information for Jonathan Reynolds

1147987

	registered interest
	date	02/10/2019
	answering body	Department for Transport
	answering dept id	27
	answering dept short name	Transport
	answering dept sort name	Transport
	hansard heading	Railways: Huddersfield
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Transport, what assessment he has made of the adequacy of the latest timetable and scope of improvements being planned to TransPennine Services on the Huddersfield Rail line; and if he will make a statement.
	tabling member constituency	Stalybridge and Hyde
	tabling member printed	Jonathan Reynolds
	uin	293566
	answer	answer is ministerial correction date of answer 08/10/2019 answer text <p>Transport for the North, the Department for Transport and the rail industry monitor timetable changes and agreed actions for the December 2018 timetable which gave passengers a more resilient service on the Huddersfield line. These measures have continued into 2019 and the planned introduction of new longer trains and timetable improvements for this December means further stability, faster services and increased capacity.</p> answering member constituency Daventry answering member printed Chris Heaton-Harris question first answered 08/10/2019 09:53:57 answering member 3977 label Biography information for Chris Heaton-Harris
	tabling member	4119 label Biography information for Jonathan Reynolds

1131288

	registered interest
	date	11/06/2019
	answering body	Department for Work and Pensions
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	Department for Work and Pensions
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Work and Pensions, how much her Department has spent on advertising in the last 12 months; and what proportion of that spend was on advertising for universal credit.
	tabling member constituency	Stalybridge and Hyde
	tabling member printed	Jonathan Reynolds
	uin	263149
	answer	answer is ministerial correction date of answer 19/06/2019 answer text <p>We are the biggest Government Department providing support on a daily basis to around 22 million citizens. We have a responsibility to raise awareness of the benefits people may be entitled to and ensure they have the information they need when it comes to making a claim.</p><p> </p><p>The Department also has a responsibility to ensure claimants do not miss out on their full entitlements and to encourage people to make their claim as quickly as possible.</p><p> </p><p>We use advertising to communicate to our claimants. Total advertising spend across the Department in the 12 months from April 2018 to March 2019 was £17,351,663 of which the Universal Credit Opening Up Work campaign accounted for £4,600,209. We can commit to publishing an update 2019/20 advertising spend at the end of July.</p> answering member constituency Reading West answering member printed Alok Sharma question first answered 19/06/2019 16:52:56 answering member 4014 label Biography information for Sir Alok Sharma
	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

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

1123154

	registered interest
	date	25/04/2019
	answering body	Ministry of Housing, Communities and Local Government
	answering dept id	7
	answering dept short name	Housing, Communities and Local Government
	answering dept sort name	Housing, Communities and Local Government
	hansard heading	Leasehold
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Housing, Communities and Local Government, what progress he has made on proposals to (a) protect and (b) improve the rights of leaseholders in England and Wales.
	tabling member constituency	Stalybridge and Hyde
	tabling member printed	Jonathan Reynolds
	uin	247698
	answer	answer is ministerial correction date of answer 03/05/2019 answer text <p>The Government is committed to reforming the leasehold system to ensure fairness and transparency for leaseholders. Last year, we consulted on implementing the ban on new leasehold houses and restricting ground rents on future leases to zero financial value, and will provide a government response in due course.</p><p>We are working with the Law Commission, who are taking forward a programme of work and recently consulted on:</p><ul><li>making buying a freehold or extending a lease easier, quicker and more cost effective;</li><li>reinvigorating commonhold, so that it is a viable alternative to leasehold; and</li><li>making it easier for leaseholders to exercise the Right to Manage, and take control of their blocks.</li></ul><p>The Law Commission are now analysing responses and will report back to the Government with recommendations later this year.</p><p>In addition, the Government has established a working group chaired by Lord Best to raise standards across the property management sector. This group will consider the transparency of service charges, and how they should be presented to consumers, and the best means for challenging unjustified fees. The group is instructed to report back in 2019 and the Government will consider its recommendations. We are also ensuring all landlord freeholders belong to a redress scheme and giving freeholders on private or mixed use estates equivalent rights to leaseholders to challenge communal costs.</p><p>The Government recently announced an industry led Pledge so that leaseholders with 10 or 15 year doubling ground rents can have their lease terms amended voluntarily. We have also said that we will be clamping down on unjustified legal costs for leaseholders, we will implement the majority of the Law Commission's recommendations on 'event fees' in the retirement sector.</p> answering member constituency South Derbyshire answering member printed Mrs Heather Wheeler question first answered 03/05/2019 13:41:52 answering member 4053 label Biography information for Mrs Heather Wheeler
	tabling member	4119 label Biography information for Jonathan Reynolds

1109105

	registered interest
	date	02/04/2019
	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 encourage greater switching and transparency in the UK mortgage market.
	tabling member constituency	Stalybridge and Hyde
	tabling member printed	Jonathan Reynolds
	uin	239957
	answer	answer is ministerial correction date of answer 10/04/2019 answer text The FCA’s final report of the Mortgage Market Study found that there are high levels of consumer engagement, with over three quarters of consumers switching to a new mortgage deal within 6 months of moving onto a reversion rate.<p> </p><p>The Government has worked closely with the FCA to consider how to remove the regulatory barriers that prevent some customers, particularly those with inactive lenders, from accessing better deals. The Government welcomes the FCA’s plans to move the affordability assessment from an absolute test to a relative one. This change removes the regulatory barrier that prevented some customers, who otherwise may have been able to switch, from accessing new mortgage products. The Government also welcomes the industry voluntary agreement covering 95% of the UK mortgage market to help ‘trapped’ customers of active lenders.</p><p> </p><p>Transparency and fairness in the mortgage market is a priority for the Government. The Treasury welcomes and supports the work the FCA are doing to improve this as a result of their findings in the final report of the Mortgage Market Study. The Government will continue to monitor the market and support the FCA when necessary.</p> answering member constituency Salisbury answering member printed John Glen question first answered 10/04/2019 15:24:04 answering member 4051 label Biography information for John Glen
	tabling member	4119 label Biography information for Jonathan Reynolds