The Financial Conduct Authority (FCA) Mortgage Market Review, introduced in April 2014, requires mortgage lenders to assess individuals\u2019 ability to repay their loans. The Council for Mortgage Lenders has advised that individuals who have a student loan and are earning over the relevant repayment threshold may have higher committed expenditures and lower net incomes and this could mean they are unable to borrow as much as an equivalent individual who is not repaying a student loan.<\/p>
<\/strong><\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4039", "label" : {"_value" : "Biography information for Lord Johnson of Marylebone"}
}
, "answeringMemberConstituency" : {"_value" : "Orpington"}
, "answeringMemberPrinted" : {"_value" : "Joseph Johnson"}
, "dateOfAnswer" : {"_value" : "2016-01-13", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2016-01-13T17:26:23.38Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "26"}
, "answeringDeptShortName" : {"_value" : "Business, Innovation and Skills"}
, "answeringDeptSortName" : {"_value" : "Business, Innovation and Skills"}
, "date" : {"_value" : "2016-01-05", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Students: Debts"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
}
], "questionText" : "To ask the Secretary of State for Business, Innovation and Skills, what assessment his Department has made of the extent to which the level of student debt affects the outcome of students' applications for a mortgage.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/411", "label" : {"_value" : "Biography information for Mr Barry Sheerman"}
}
, "tablingMemberConstituency" : {"_value" : "Huddersfield"}
, "tablingMemberPrinted" : [{"_value" : "Mr Barry Sheerman"}
], "uin" : "20940"}
, {"_about" : "http://data.parliament.uk/resources/442505", "AnsweringBody" : [{"_value" : "Department for Business, Innovation and Skills"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/442505/answer", "answerText" : {"_value" : " The Government is committed to significantly increasing the quantity and quality of all apprenticeships in England to 3 million starts by 2020; the construction industry will have an important part to play in achieving this target.<\/p> Development of skilled labour can only be achieved with engagement of the industry. Construction employers in England are engaged in the Trailblazer process to develop apprenticeship standards that are fit for business, and we have announced a new apprenticeships levy which will put investment in training, and apprenticeships specifically, on a long-term, sustainable footing.<\/p> Initiatives, by the Construction Leadership Council, or through the Construction Industry Training Board (CITB) are seeking to encourage more young people into construction careers. This work includes the launch of the GO-Construct website and work with the National Careers Service and Construction Ambassadors for schools.<\/p> The CITB and CITB Northern Ireland have also developed a range of initiatives. In England these include working closely with the Department for Work and Pensions, the Armed Forces resettlement service, Local Enterprise Partnerships and the Home Builders Federation, to encourage experienced individuals into the sector. The CITB continues to work closely with the Home Builders Federation to support skills initiatives.<\/p> However, as noted in my answer to PQ UIN 18208<\/a> skills policy (including apprenticeships policy) is a devolved matter. In Northern Ireland, it is the responsibility of the Department of Employment and Learning.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/3995", "label" : {"_value" : "Biography information for Nick Boles"}
}
, "answeringMemberConstituency" : {"_value" : "Grantham and Stamford"}
, "answeringMemberPrinted" : {"_value" : "Nick Boles"}
, "dateOfAnswer" : {"_value" : "2016-01-13", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2016-01-13T17:41:03.487Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "26"}
, "answeringDeptShortName" : {"_value" : "Business, Innovation and Skills"}
, "answeringDeptSortName" : {"_value" : "Business, Innovation and Skills"}
, "date" : {"_value" : "2016-01-05", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Housing: Construction"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
}
], "questionText" : "To ask the Secretary of State for Business, Innovation and Skills, what steps his Department is taking to ensure that sufficient tradesmen are trained to support an increase in housing construction.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4131", "label" : {"_value" : "Biography information for Jim Shannon"}
}
, "tablingMemberConstituency" : {"_value" : "Strangford"}
, "tablingMemberPrinted" : [{"_value" : "Jim Shannon"}
], "uin" : "21020"}
, {"_about" : "http://data.parliament.uk/resources/442506", "AnsweringBody" : [{"_value" : "Department for Business, Innovation and Skills"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/442506/answer", "answerText" : {"_value" : " <\/strong><\/p> The Government is fighting hard to fix the aspects of our EU membership that cause so much frustration in the United Kingdom - so we can get a better deal for our country and secure our future. Departments are appropriately resourced to support the Government's priorities in Europe, including the renegotiation and referendum.<\/p> <\/strong><\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/3938", "label" : {"_value" : "Biography information for Anna Soubry"}
}
, "answeringMemberConstituency" : {"_value" : "Broxtowe"}
, "answeringMemberPrinted" : {"_value" : "Anna Soubry"}
, "dateOfAnswer" : {"_value" : "2016-01-14", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2016-01-14T15:54:40.207Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "26"}
, "answeringDeptShortName" : {"_value" : "Business, Innovation and Skills"}
, "answeringDeptSortName" : {"_value" : "Business, Innovation and Skills"}
, "date" : {"_value" : "2016-01-05", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Department for Business, Innovation and Skills: European Union"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
}
], "questionText" : "To ask the Secretary of State for Business, Innovation and Skills, how many staff in his Department are working on matters related to (a) European policy, (b) the future of Europe, (c) reform of the EU, (d) the renegotiation of the UK's relationship with the EU, (e) the EU referendum and (f) the consequences of the EU referendum; how many full-time equivalent staff are working on such matters; what the (i) staff and (ii) other cost of such work is; what proportion of that work is undertaken by such staff on (A) communications, (B) strategy and (C) policy; whether his Department has established any specific unit or units to deal with those matters; to whom such (1) staff and (2) units report; whether his Department has issued guidelines to staff on those matters; and if he will make a statement.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/40", "label" : {"_value" : "Biography information for Sir Bernard Jenkin"}
}
, "tablingMemberConstituency" : {"_value" : "Harwich and North Essex"}
, "tablingMemberPrinted" : [{"_value" : "Mr Bernard Jenkin"}
], "uin" : "21071"}
, {"_about" : "http://data.parliament.uk/resources/442507", "AnsweringBody" : [{"_value" : "Department for Business, Innovation and Skills"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/442507/answer", "answerText" : {"_value" : " All export licence applications are carefully assessed on a case by case basis against the Consolidated EU and National Arms Export Licensing Criteria, taking account all relevant factors at the time of the application. A licence will not be issued for any country if to do so would be a breach of the Criteria.<\/p> <\/strong><\/p> The student loan system is progressive, with income contingent repayments protecting those on the lowest incomes and loans that have not been fully repaid being cancelled after 30 years. Therefore only a proportion of students are expected to fully repay their loans within this repayment term, although almost all students will repay at least part of their loan.<\/p> The BIS Student Loan Repayment Model forecasts that around 45% of current full time students will fully repay their student loan. The majority of these students have Plan 2 student loans.<\/p> It is forecast that around 75% of all past students with student loans since 1998 that are still making repayments will fully repay their student loan. This includes all full time students that finished their courses in the 2015/16 financial year or earlier, the majority of whom have Plan 1 student loans.<\/p> The above figure for past students does not include those borrowers who have already fully repaid their student loan or had it cancelled. The Student Loan Company publication \u2018Student Loans in England: financial year 2014-15\u2019 published in June 2015 shows statistics on the number of borrowers that had fully repaid their loans or had them cancelled up to the end of April 2015. This can be found at the following link:<\/p> http://www.slc.co.uk/official-statistics/student-loans-debt-and-repayment/england.aspx<\/a><\/p> All eligible students can apply for an upfront tuition fee loan to meet the costs of their tuition fees. This ensures that students are not prevented from attending their course because they cannot pay for their fees.<\/p> From 1 August 2016 onwards, students who would otherwise have received a grant will see an increase in the amount of maintenance support they can access, with those from the most disadvantaged backgrounds receiving 10.3% more in loans for living costs.<\/p> Linking repayment to a borrower's income will ensure that deductions are based on their ability to repay. Repayments are made through the UK tax system at 9% of earnings of any income over the relevant repayment threshold and they will cease if earnings fall below the threshold. Any outstanding loan balance will be written off after thirty years.<\/p> <\/strong><\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4039", "label" : {"_value" : "Biography information for Lord Johnson of Marylebone"}
}
, "answeringMemberConstituency" : {"_value" : "Orpington"}
, "answeringMemberPrinted" : {"_value" : "Joseph Johnson"}
, "dateOfAnswer" : {"_value" : "2016-01-13", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2016-01-13T17:30:39.117Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "26"}
, "answeringDeptShortName" : {"_value" : "Business, Innovation and Skills"}
, "answeringDeptSortName" : {"_value" : "Business, Innovation and Skills"}
, "date" : {"_value" : "2016-01-05", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Higher Education: Costs"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
}
], "questionText" : "To ask the Secretary of State for Business, Innovation and Skills, what steps he is taking to reduce the cost of university for students.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/411", "label" : {"_value" : "Biography information for Mr Barry Sheerman"}
}
, "tablingMemberConstituency" : {"_value" : "Huddersfield"}
, "tablingMemberPrinted" : [{"_value" : "Mr Barry Sheerman"}
], "uin" : "20939"}
, {"_about" : "http://data.parliament.uk/resources/442511", "AnsweringBody" : [{"_value" : "Department for Business, Innovation and Skills"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/442511/answer", "answerText" : {"_value" : " All regulations implementing EU legislation that were introduced in 2015 and their associated impacts can be found on legislation.gov.uk. <\/em><\/p> <\/em><\/p> <\/strong><\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/3938", "label" : {"_value" : "Biography information for Anna Soubry"}
}
, "answeringMemberConstituency" : {"_value" : "Broxtowe"}
, "answeringMemberPrinted" : {"_value" : "Anna Soubry"}
, "dateOfAnswer" : {"_value" : "2016-01-13", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2016-01-13T17:36:03.68Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "26"}
, "answeringDeptShortName" : {"_value" : "Business, Innovation and Skills"}
, "answeringDeptSortName" : {"_value" : "Business, Innovation and Skills"}
, "date" : {"_value" : "2016-01-05", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Manufacturing Industries: EU Law"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
}
], "questionText" : "To ask the Secretary of State for Business, Innovation and Skills, if he will estimate how many new EU regulations and directives have been implemented in the UK in 2015 which affect British manufacturing industries.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/1447", "label" : {"_value" : "Biography information for Andrew Rosindell"}
}
, "tablingMemberConstituency" : {"_value" : "Romford"}
, "tablingMemberPrinted" : [{"_value" : "Andrew Rosindell"}
], "uin" : "21156"}
, {"_about" : "http://data.parliament.uk/resources/442513", "AnsweringBody" : [{"_value" : "Cabinet Office"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/442513/answer", "answerText" : {"_value" : " The Government is fighting hard to fix the aspects of our EU membership that cause so much frustration in Britain - so we get a better deal for our country and secure our future. Departments are appropriately resourced to support the Government's priorities in Europe, including the renegotiation and referendum.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4070", "label" : {"_value" : "Biography information for Matt Hancock"}
}
, "answeringMemberConstituency" : {"_value" : "West Suffolk"}
, "answeringMemberPrinted" : {"_value" : "Matthew Hancock"}
, "dateOfAnswer" : {"_value" : "2016-01-13", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2016-01-13T17:03:57.34Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "53"}
, "answeringDeptShortName" : {"_value" : "Cabinet Office"}
, "answeringDeptSortName" : {"_value" : "Cabinet Office"}
, "date" : {"_value" : "2016-01-05", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Cabinet Office: European Union"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
}
], "questionText" : "To ask the Minister for the Cabinet Office, how many staff in his Department are working on matters related to (a) European policy, (b) the future of Europe, (c) reform of the EU, (d) the renegotiation of the UK's relationship with the EU, (e) the EU referendum and (f) the consequences of the EU referendum; how many full-time equivalent staff are working on such matters; what the (i) staff and (ii) other cost of such work is; what proportion of that work is undertaken by such staff on (A) communications, (B) strategy and (C) policy; whether his Department has established any specific unit or units to deal with those matters; to whom such (1) staff and (2) units report; whether his Department has issued guidelines to staff on those matters; and if he will make a statement.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/40", "label" : {"_value" : "Biography information for Sir Bernard Jenkin"}
}
, "tablingMemberConstituency" : {"_value" : "Harwich and North Essex"}
, "tablingMemberPrinted" : [{"_value" : "Mr Bernard Jenkin"}
], "uin" : "21072"}
, {"_about" : "http://data.parliament.uk/resources/442517", "AnsweringBody" : [{"_value" : "HM Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/442517/answer", "answerText" : {"_value" : " The Treasury is in regular close contact with the FCA and the Prudential Regulatory Authority (PRA) on all issues relating to financial market conduct.<\/p>
"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/3938", "label" : {"_value" : "Biography information for Anna Soubry"}
}
, "answeringMemberConstituency" : {"_value" : "Broxtowe"}
, "answeringMemberPrinted" : {"_value" : "Anna Soubry"}
, "dateOfAnswer" : {"_value" : "2016-01-12", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2016-01-12T16:18:24.987Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "26"}
, "answeringDeptShortName" : {"_value" : "Business, Innovation and Skills"}
, "answeringDeptSortName" : {"_value" : "Business, Innovation and Skills"}
, "date" : {"_value" : "2016-01-05", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Arms Trade: Saudi Arabia"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
}
], "questionText" : "To ask the Secretary of State for Business, Innovation and Skills, if he will suspend all licences permitting UK-produced arms to be sold to Saudi Arabia.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4359", "label" : {"_value" : "Biography information for Stephen Kinnock"}
}
, "tablingMemberConstituency" : {"_value" : "Aberavon"}
, "tablingMemberPrinted" : [{"_value" : "Stephen Kinnock"}
], "uin" : "21060"}
, {"_about" : "http://data.parliament.uk/resources/442509", "AnsweringBody" : [{"_value" : "Department for Business, Innovation and Skills"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/442509/answer", "answerText" : {"_value" : "
"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4039", "label" : {"_value" : "Biography information for Lord Johnson of Marylebone"}
}
, "answeringMemberConstituency" : {"_value" : "Orpington"}
, "answeringMemberPrinted" : {"_value" : "Joseph Johnson"}
, "dateOfAnswer" : {"_value" : "2016-01-26", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2016-01-26T16:01:23.56Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "26"}
, "answeringDeptShortName" : {"_value" : "Business, Innovation and Skills"}
, "answeringDeptSortName" : {"_value" : "Business, Innovation and Skills"}
, "date" : {"_value" : "2016-01-05", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Students: Loans"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
}
], "questionText" : "To ask the Secretary of State for Business, Innovation and Skills, what estimate his Department has made of the proportion of current and past students who it expects will be able to pay off their student loans in full.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/411", "label" : {"_value" : "Biography information for Mr Barry Sheerman"}
}
, "tablingMemberConstituency" : {"_value" : "Huddersfield"}
, "tablingMemberPrinted" : [{"_value" : "Mr Barry Sheerman"}
], "uin" : "20938"}
, {"_about" : "http://data.parliament.uk/resources/442510", "AnsweringBody" : [{"_value" : "Department for Business, Innovation and Skills"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/442510/answer", "answerText" : {"_value" : "