{ "format" : "linked-data-api", "version" : "0.2", "result" : {"_about" : "http://eldaddp.azurewebsites.net/answeredquestions.text?identifier=190834&min-ddpModified=2015-02-06T17%3A47%3A50.217Z", "definition" : "http://eldaddp.azurewebsites.net/meta/answeredquestions.text?identifier=190834&min-ddpModified=2015-02-06T17%3A47%3A50.217Z", "extendedMetadataVersion" : "http://eldaddp.azurewebsites.net/answeredquestions.text?identifier=190834&min-ddpModified=2015-02-06T17%3A47%3A50.217Z&_metadata=all", "first" : "http://eldaddp.azurewebsites.net/answeredquestions.text?identifier=190834&_page=0&min-ddpModified=2015-02-06T17%3A47%3A50.217Z", "hasPart" : "http://eldaddp.azurewebsites.net/answeredquestions.text?identifier=190834&min-ddpModified=2015-02-06T17%3A47%3A50.217Z", "isPartOf" : "http://eldaddp.azurewebsites.net/answeredquestions.text?identifier=190834&min-ddpModified=2015-02-06T17%3A47%3A50.217Z", "items" : [{"_about" : "http://data.parliament.uk/resources/1646671", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1646671/answer", "answerText" : {"_value" : "<p>The pricing and availability of mortgages is a commercial decision for lenders in which the Government does not intervene.<\/p><p> <\/p><p>However, we recognise this will be a concerning time for all households with a mortgage, particularly those who are due to come to the end of their existing deal in the immediate future. The Prime Minister has been clear, the best and most important way that we can keep costs and interest rates down for people is to halve inflation, and then return it to the 2% target.<\/p><p> <\/p><p>On Friday 23 June the Chancellor met with mortgage lenders, UK Finance and the FCA to discuss a new package of support for those who encounter problems keeping up with their mortgage payments. These commitments include an agreement permitting customers to switch to an interest only mortgage, or extend their mortgage term, for 6 months, after which they can switch back without a new affordability check or it affecting their credit score. Lenders also agreed borrowers won\u2019t have their home repossessed within 12 months from their first missed payment without their consent or unless in exceptional circumstances.<\/p><p> <\/p><p>If you are concerned about making your mortgage repayment, you must speak to your lender as soon as possible. Contacting them will not affect your credit score<\/p><p> <\/p><p>The Government has also already taken a number of measures aimed at helping people to avoid repossession, including Support for Mortgage Interest (SMI) loans for those in receipt of an income-related benefit, and protection in the courts through the Pre-Action Protocol, which makes it clear that repossession must always be the last resort for lenders.<\/p><p> <\/p><p>The Government also recognises the challenges facing households due to elevated costs of living, so has taken action at Spring Budget 2023 to go further to protect struggling families. Taken together, support to households to help with higher bills is worth £94 billion, or £3,300 per household on average, across 2022-23 and 2023-24 \u2013 one of the largest in Europe. The government\u2019s successful economic strategy will provide further help. The Bank of England forecast that inflation will fall to 5.1% by the end of 2023, before falling close to target by the end of 2024.<\/p>"}
        , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4874", "label" : {"_value" : "Biography information for Andrew Griffith"}
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        , "answeringMemberPrinted" : {"_value" : "Andrew Griffith"}
        , "dateOfAnswer" : {"_value" : "2023-06-27", "_datatype" : "dateTime"}
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      , "date" : {"_value" : "2023-06-22", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Mortgages: Interest Rates"}
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      ], "questionText" : "To ask the Chancellor of the Exchequer, what assessment he has made of the impact of rising mortgage interest rates on the levels of household disposable income in (a) Coventry North East constituency, (b) Coventry, (c) the West Midlands and (d) England.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4378", "label" : {"_value" : "Biography information for Colleen Fletcher"}
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      , "tablingMemberPrinted" : [{"_value" : "Colleen Fletcher"}
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    , {"_about" : "http://data.parliament.uk/resources/1006187", "AnsweringBody" : [{"_value" : "Ministry of Housing, Communities and Local Government"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1006187/answer", "answerText" : {"_value" : "<p>In selecting Commissioners to the Building Better, Building Beautiful Commission, the Secretary of State\u2019s priority is to assemble experts who can provide expertise and challenge on design quality and who are committed to building places that communities value and support. The role of Chair is an advisory role and was appointed directly. Professor Sir Roger Scruton\u2019s commitment to promoting beauty in the built environment is well known and he has published extensively on the subject.<\/p>"}
        , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4495", "label" : {"_value" : "Biography information for Kit Malthouse"}
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        , "answeringMemberPrinted" : {"_value" : "Kit Malthouse"}
        , "dateOfAnswer" : {"_value" : "2018-11-19", "_datatype" : "dateTime"}
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      , "date" : {"_value" : "2018-11-13", "_datatype" : "dateTime"}
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      ], "questionText" : "To ask the Secretary of State for Housing, Communities and Local Government, what the selection process for the Chair of the Building Better, Building Beautiful Commission was.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/1501", "label" : {"_value" : "Biography information for Dr Roberta Blackman-Woods"}
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    , {"_about" : "http://data.parliament.uk/resources/41377", "AnsweringBody" : [{"_value" : "Attorney General"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/41377/answer", "answerText" : {"_value" : "<p>I was first made aware of the existence of the administrative scheme for on-the-runs when in opposition.<\/p>"}
        , "answeringMember" : {"_about" : "http://data.parliament.uk/members/16", "label" : {"_value" : "Biography information for Mr Dominic Grieve"}
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        , "answeringMemberPrinted" : {"_value" : "Mr Dominic Grieve"}
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      ], "questionText" : "To ask the Attorney General, when he was first made aware of the existence of the administrative scheme for on-the-runs.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
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