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1524809

registered interest
date	20/10/2022
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 estimate they have made of the number of buy-to-let mortgages in the UK.
tabling member printed	Baroness Hayman of Ullock
uin	HL2755
answer	answer is ministerial correction date of answer 27/10/2022 answer text <p>While the Government wants to support those who aspire to be homeowners, we appreciate that this is not everyone’s aspiration and that there are many people for whom renting a home is either more practical or affordable. There therefore needs to be a thriving private rental sector to accommodate these people’s housing needs.</p><p> </p><p>In Q2 this year, 13.6% of new advances were buy-to-let mortgages. The government does not hold data on the number of buy-to-let mortgages on variable or fixed rates.</p><p> </p><p>The pricing of mortgages and rents remain commercial decisions for lenders and landlords respectively, and the Government does not seek to intervene in these decisions. The Government is, however, providing millions of the most vulnerable households with financial support with the cost of living this year.</p> answering member printed Viscount Younger of Leckie grouped question UIN HL2756 question first answered 27/10/2022 12:54:45 answering member 4169 label Biography information for Viscount Younger of Leckie
tabling member	4395 label Biography information for Baroness Hayman of Ullock

1524810

registered interest
date	20/10/2022
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 estimate they have made of the number of buy-to-let mortgages in the UK that are on (1) a variable rate, or (2) a fixed rate that expires by the end of 2023.
tabling member printed	Baroness Hayman of Ullock
uin	HL2756
answer	answer is ministerial correction date of answer 27/10/2022 answer text <p>While the Government wants to support those who aspire to be homeowners, we appreciate that this is not everyone’s aspiration and that there are many people for whom renting a home is either more practical or affordable. There therefore needs to be a thriving private rental sector to accommodate these people’s housing needs.</p><p> </p><p>In Q2 this year, 13.6% of new advances were buy-to-let mortgages. The government does not hold data on the number of buy-to-let mortgages on variable or fixed rates.</p><p> </p><p>The pricing of mortgages and rents remain commercial decisions for lenders and landlords respectively, and the Government does not seek to intervene in these decisions. The Government is, however, providing millions of the most vulnerable households with financial support with the cost of living this year.</p> answering member printed Viscount Younger of Leckie grouped question UIN HL2755 question first answered 27/10/2022 12:54:45 answering member 4169 label Biography information for Viscount Younger of Leckie
tabling member	4395 label Biography information for Baroness Hayman of Ullock

1524812

registered interest
date	20/10/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	National Savings and Investments: Premium Bonds
house id	2
legislature	25277 pref label House of Lords
question text	To ask His Majesty's Government what plans they have to increase the amount of money which individuals can hold in National Savings Premium Bonds.
tabling member printed	Baroness Hoey
uin	HL2758
answer	answer is ministerial correction date of answer 26/10/2022 answer text <p>The Government does not currently have plans to change the amount of money which individuals can hold in Premium Bonds. However, the Government keeps this under review to ensure that the limit continues to reflect the interests of savers, taxpayers and the wider financial sector.</p> answering member printed Viscount Younger of Leckie question first answered 26/10/2022 13:33:53 answering member 4169 label Biography information for Viscount Younger of Leckie
tabling member	210 label Biography information for Baroness Hoey

1522033

registered interest
date	13/10/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Cost of Living: Chronic Illnesses
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 impact of the rising cost of living on people with chronic conditions, such as sickle cell disease.
tabling member printed	Baroness Benjamin
uin	HL2573
answer	answer is ministerial correction date of answer 27/10/2022 answer text <p>The Government understands that people across the UK and especially the most vulnerable members of society, such as those suffering from long-term health conditions and disabilities, are worried about the rising cost of living. That is why the Government is taking decisive action to get households through this winter, while ensuring we act in a fiscally responsible way.</p><p> </p><p>People in receipt of extra-costs disability benefits such as Personal Independence Payment (PIP) or Disability Living Allowance (DLA) will receive a one-off Disability Cost of Living Payment of £150 from 20th September, to help with the extra costs disabled people are facing. The DWP has already processed around 6 million such payments.</p><p> </p><p>The Government is also providing a £650 Cost of Living Payment to recipients of means-tested benefits, to support people with low incomes with the rising cost of living. Individuals who have limited ability to work because of their health condition, and are in receipt of means-tested benefits such as income-related Employment and Support Allowance or the Universal Credit Health top up, are therefore eligible for this support.</p><p> </p><p>Those living with a long-term health condition, such as sickle cell disease, can also benefit from other forms of non-means-tested support which the Government is providing to assist with UK households’ energy bills.</p><p> </p><p>Firstly via the recently announced Energy Price Guarantee, a typical UK household will have to pay energy bills equivalent to no more than £2500 a year this winter. The Energy Price Guarantee will reduce the unit cost of electricity and gas and will supersede the existing energy price cap. Beyond April 2023, a Treasury-led review will consider how to support households and businesses with energy bills after April 2023.</p><p> </p><p>Secondly via the Energy Bills Support Scheme, which will provide £400 to help with domestic energy bills. All households in Council Tax bands A-D will also receive the Government-funded £150 Council Tax Rebate, which will be delivered by Local Authorities.</p><p> </p><p>Lastly, to support households who need further help or who are not eligible for elements of the wider package of support, the Government is also providing an extra £500 million of local support to help with the cost of essentials, via the Household Support Fund.</p> answering member printed Viscount Younger of Leckie question first answered 27/10/2022 13:04:18 answering member 4169 label Biography information for Viscount Younger of Leckie
tabling member	4167 label Biography information for Baroness Benjamin

1522039

registered interest
date	13/10/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Refugees: Ukraine
house id	2
legislature	25277 pref label House of Lords
question text	To ask His Majesty's Government whether they will consider including refugees arriving under the family visa scheme within the funding of the Homes for Ukraine scheme; and whether they will remove the barriers to exchanging Ukrainian currency for sterling.
tabling member printed	Baroness Bennett of Manor Castle
uin	HL2579
answer	answer is ministerial correction date of answer 27/10/2022 answer text <p>To support those fleeing the conflict, the Government has introduced two visa schemes to welcome Ukrainian refugees to the UK: the Ukraine Family Scheme and Homes for Ukraine. The Ukraine Family Scheme allows applicants to join family members or extend their stay in the UK. Homes for Ukraine allows Ukrainian nationals and their family members to come to the UK if they have a named sponsor under the scheme. Further details on scheme eligibility can be found at GOV.UK. People that enter under both visa schemes support integration by providing full access to social services and welfare in the UK for up to three years.</p><p> </p><p>As each of these schemes uses different routes to support Ukrainians to find safe refuge in the UK, they were set up to be funded differently. The Ukraine Family Scheme is similar to existing family visa routes, and provision of public services from this route will be managed in the usual way. The UK-based family member is expected to provide support and accommodation for those coming to join them, who in turn benefit from the wider integration advantages in joining an existing family network.</p><p> </p><p>On the matter of exchanging Ukrainian currency for sterling, the Government has taken steps to ensure support for incoming Ukrainian nationals opening bank accounts, and Ukrainians are able to convert their currency to GBP electronically at several major banks and electronic money institutions. The industry has also taken measures to support refugees and their access to essential financial services, including commitments to waive certain fees. The Government continues to monitor the situation for Ukrainians in the UK’s financial marketplace closely.</p> answering member printed Viscount Younger of Leckie question first answered 27/10/2022 13:05:00 answering member 4169 label Biography information for Viscount Younger of Leckie
tabling member	4719 label Biography information for Baroness Bennett of Manor Castle

1522040

registered interest
date	13/10/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Public Health and Unemployment
house id	2
legislature	25277 pref label House of Lords
question text	To ask His Majesty's Government what assessment they have made of recent data from the Office for National Statistics regarding the UK employment rate for October 2022, which found that "UK economic inactivity rate was estimated at 21.7%, which is 0.6 percentage points higher than the previous three-month period"; and what steps they are taking to improve public health, given this is a potential contributory factor for such economic inactivity.
tabling member printed	Baroness Bennett of Manor Castle
uin	HL2580
answer	answer is ministerial correction date of answer 27/10/2022 answer text <p>The latest data indicates that the working age inactivity rate in the three months to August was 21.7%, up 0.6 percentage points on the previous three months and up 0.5 percentage points on the year. The headline employment rate for the three months to August was 75.5%, up 0.3 percentage points on the year. Demand for labour remains strong, with vacancies near record highs and significantly above pre-pandemic levels in the third quarter of 2022 (+51%). The latest data indicates that that the unemployment rate fell to 3.5% in the three months to August, the lowest rate since 1974<em>.</em></p><p> </p><p>Our Plan for Patients, which the Department of Health and Social Care introduced in Parliament on 22 September, sets out our immediate priorities to support individuals to live healthier lives and to strengthen the resilience and health of the nation. This includes moving prevention services closer to the patient, expanding mental health support in schools and increasing support for people to start, stay and succeed in employment. Alongside this, the Department of Health and Social Care is currently reviewing all of its wider priorities with a focus on improving the health of the population across the breadth of the country.</p> answering member printed Viscount Younger of Leckie question first answered 27/10/2022 12:55:38 answering member 4169 label Biography information for Viscount Younger of Leckie
tabling member	4719 label Biography information for Baroness Bennett of Manor Castle

1522068

registered interest
date	13/10/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Bank Services
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 current oversight and supervision of the shadow banking sector within the UK and its dependencies.
tabling member printed	Lord Patten
uin	HL2608
answer	answer is ministerial correction date of answer 27/10/2022 answer text <p>Shadow banks, also referred to as non-banks, form a significant and important part of the financial system. The Financial Stability Board (FSB) estimates non-banks covered 48% of total global financial assets as of 2020.</p><p> </p><p>The Bank of England’s Financial Policy Committee (FPC) is responsible for identifying, monitoring, and taking action to address systemic risks and improve the resilience of the UK financial system, including for non-banks. The FPC undertakes regular monitoring of the non-bank sector, as well as more periodic detailed assessments and stress testing. For example, in 2021 they published an assessment of the resilience of market-based finance (which encapsulates non-banks) highlighting existing vulnerabilities within the system. The Prudential Regulation Authority (PRA) regulates insurers in the UK for prudential purposes. The Financial Conduct Authority (FCA) is responsible for the prudential regulation of authorised non-bank financial firms not supervised by the PRA and is the conduct regulator.</p><p> </p><p>Maintaining a global approach to the non-bank sector is important given the international nature of the financial system. Through the FSB, HM Treasury and UK financial regulators are working closely with international partners to develop global approaches to address vulnerabilities in the non-bank sector.</p><p> </p><p>On 12 October 2022, the FPC published its most recent assessment on the outlook for UK financial stability. The FPC welcomed the Bank of England’s temporary and targeted intervention in response to recent financial stability risk, and emphasised the importance of the domestic and international non-bank work to address vulnerabilities.</p><p> </p><p>Regulation and supervision of the non-bank sector and wider financial system in the Crown Dependencies is conducted by their relevant regulators.</p> answering member printed Viscount Younger of Leckie question first answered 27/10/2022 13:08:05 answering member 4169 label Biography information for Viscount Younger of Leckie
tabling member	1137 label Biography information for Lord Patten

1522071

registered interest
date	13/10/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Public Expenditure: Brexit
house id	2
legislature	25277 pref label House of Lords
question text	To ask His Majesty's Government what estimate they have made of how much money was saved by the UK leaving the EU; and how this money has been spent.
tabling member printed	Lord Roberts of Llandudno
uin	HL2611
answer	answer is ministerial correction date of answer 27/10/2022 answer text The UK Government has determined an additional £14.6 billion of spending by 2024-25 can be allocated to its domestic priorities, rather than be sent in contributions to the EU. This additional spending was included in the overall spending plans that the government set out at previous Spending Reviews. The last Spending Review in 2021 set departmental budgets up to 2024-25. Autumn Budget and Spending Review 2021 plans are set out on the gov.uk website. answering member printed Viscount Younger of Leckie question first answered 27/10/2022 12:55:08 answering member 4169 label Biography information for Viscount Younger of Leckie
tabling member	3691 label Biography information for Lord Roberts of Llandudno

1521484

registered interest
date	12/10/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Trader Support Service
house id	2
legislature	25277 pref label House of Lords
question text	To ask His Majesty's Government what is the total cost to date of the Trader Support Service.
tabling member printed	Lord Dodds of Duncairn
uin	HL2523
answer	answer is ministerial correction date of answer 26/10/2022 answer text The total cost of the Trader Support Service from its inception to September 2022 is £309 million. answering member printed Viscount Younger of Leckie question first answered 26/10/2022 13:33:43 answering member 4169 label Biography information for Viscount Younger of Leckie
tabling member	1388 label Biography information for Lord Dodds of Duncairn

1521486

registered interest
date	12/10/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	UK Internal Trade: Northern Ireland
house id	2
legislature	25277 pref label House of Lords
question text	To ask His Majesty's Government which schemes they have introduced to facilitate trade between Great Britain and Northern Ireland since the introduction of the Protocol on Ireland/Northern Ireland.
tabling member printed	Lord Dodds of Duncairn
uin	HL2525
answer	answer is ministerial correction date of answer 26/10/2022 answer text <p>Since the introduction of the Northern Ireland Protocol (NIP), the Government has introduced a range of schemes intended to help facilitate trade between Great Britain (GB) and Northern Ireland (NI), including:</p><ul><li>The Trader Support Service, which provides guidance to traders and completes customs declarations on their behalf;</li><li>The UK Trader Scheme, which allows authorised traders to move goods from Great Britain to Northern Ireland without paying duty;</li><li>The Customs Duty Waiver Scheme, which allows traders to claim duty waivers within applicable limits; and</li><li>The Movement Assistance Scheme, which provides additional support for traders moving agri-food goods from GB to NI.</li></ul> answering member printed Viscount Younger of Leckie question first answered 26/10/2022 13:33:10 answering member 4169 label Biography information for Viscount Younger of Leckie
tabling member	1388 label Biography information for Lord Dodds of Duncairn