- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Date lodged: Monday, 10 July 2023
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Current Status:
Answered by Paul McLennan on 1 August 2023
To ask the Scottish Government, regarding the Home Owners’ Support Fund, what the average processing time has been for (a) successful and (b) unsuccessful applications in each quarter since April 2022, and how many applications in each quarter took (i) less than one year, (ii) one to two years, (iii) two to three years and (iv) more than three years to process.
Answer
The following table shows the average processing times for the cases which settled during each quarter since April 2022 and how many of those were processed within the requested timescales.
| | | Number of Successful Applications Processed in |
Financial Year | Quarter | Average Processing Time (Months) | < 1 Year | 1-2 years | 2-3 years | > 3 years |
2022-23 | Q1 | 21 | | 3 | 1 | |
| Q2 | 25 | | | 2 | |
| Q3 | 23 | | | 1 | |
| Q4 | 20 | | 2 | | |
2023-24 | Q1 | 19 | | 3 | 1 | |
Applications are taking longer to process at the moment as we continue to work to clear the backlog of existing cases that built up during the pandemic when restrictions prevented visits to properties for valuations or repairs assessments.
In addition, the voluntary nature of the scheme relies on the co-operation and goodwill of applicants, money advisers, landlords, lenders and Trustees. There can be complexities relating to the property valuations process, repairs inspections, debt negotiation/ consolidation and legal conveyancing that are not within our control.
The Scottish Government does not collect data in relation to the turnaround of unsuccessful applications.
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Date lodged: Monday, 10 July 2023
Submitting member has a registered interest.
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Current Status:
Answered by Paul McLennan on 1 August 2023
To ask the Scottish Government whether its review of the Home Owners' Support Fund has modelled any impact of mortgage rates reaching 6.5%, in light of reports of this happening.
Answer
I refer the member to the answer to question S6W-10237 on 7 September 2022. All answers to written Parliamentary Questions are available on the Parliament's website, the search facility for which can be found at https://www.parliament.scot/chamber-and-committees/written-questions-and-answers .
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Date lodged: Monday, 10 July 2023
Submitting member has a registered interest.
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Current Status:
Answered by Paul McLennan on 1 August 2023
To ask the Scottish Government for what reasons it has not updated the Parliament on the progress of its review into the Home Owners' Support Fund.
Answer
I refer the member to the answer to question S6W-17723 on 17 May 2023. Parliament will be updated once the review has completed. All answers to written Parliamentary Questions are available on the Parliament's website, the search facility for which can be found at https://www.parliament.scot/chamber-and-committees/written-questions-and-answers .
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Date lodged: Monday, 10 July 2023
Submitting member has a registered interest.
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Current Status:
Answered by Paul McLennan on 1 August 2023
To ask the Scottish Government how many (a) enquiries about and (b) applications to the Home Owners' Support Fund it has received in each quarter since April 2022, broken down by the (i) Mortgage to Rent and (ii) Mortgage to Shared Equity scheme, and, of those applications that were received, how many were (A) successful and (B) ineligible.
Answer
All applications to HOSF are tested for eligibility for both Mortgage to Rent (MtR) and Mortgage to Shared Equity (MtSE). Due to the circumstances of individuals there have been no Mortgage to Shared Equity cases since 2015, in particular many applicants have high levels of complex unsecured debts and low earnings.
The following table shows the number of applications received during each quarter since April 2022 and the number of applications successfully completed. Mortgage to Rent is a voluntary scheme and participation from applicants, lenders, trustees and social landlords is required for a case to succeed.
| Mortgage to Rent Applications* |
Financial Year | Quarter | Received | Completed | Ineligible |
2022-23 | Q1 | 9 | 4 | 0 |
| Q2 | 13 | 2 | 0 |
| Q3 | 12 | 2 | 0 |
| Q4 | 8 | 2 | 0 |
2023-24 | Q1 | 12 | 4 | 0 |
*Figures for received, completed and ineligible do not necessarily refer to the same cases.
The Scottish Government does not collect information on enquiries to the Home Owners Support Fund (HOSF).
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Date lodged: Monday, 03 July 2023
Submitting member has a registered interest.
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Current Status:
Answered by Patrick Harvie on 31 July 2023
To ask the Scottish Government for what reason some joint tenancies, in situations where some tenants are moving out and others are remaining in the property, are reportedly not covered by the rent cap.
Answer
The Private Residential Tenancy was designed so that one tenant cannot terminate a joint tenancy on behalf of all the joint tenants, as this could result in a person who wished to stay in the let property being made homeless when another tenant chooses to leave.
Current legislation does give the landlord the right to decide not to agree to continuing the existing tenancy in those circumstances and can request that a new tenancy be issued at the point of a new person moving into the property. As the rent cap element of the emergency Cost of Living (Tenant Protection) (Scotland) Act 2022 applies only to in-tenancy rent increases, where a new tenancy is created the landlord is able to increase the rent being requested.
Whilst we believe the emergency Act is bringing significant extra protections for people living in the private rented sector during the ongoing cost crisis, it was not able to make more fundamental changes to the Private Housing (Tenancies) (Scotland) Act 2016 with respect to joint tenancy arrangements.
We are committed to taking forward longer-term reform to the rented sector and as part of our work to deliver a New Deal for tenants we are considering joint tenancy issues in the private rented sector, including the existing approach to ending such tenancies.
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Date lodged: Monday, 03 July 2023
Submitting member has a registered interest.
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Current Status:
Answered by Patrick Harvie on 31 July 2023
To ask the Scottish Government what assessment it has made of how many tenancies currently in operation may not be covered by the rent cap.
Answer
The Cost of Living (Tenant Protection) (Scotland) Act 2022 aims to ensure that the majority of tenants living in the private rented sector are protected by the temporary, emergency measures.
Tenancies under the Rent (Scotland) Act 1984 are exempt from the temporary rent cap, and there are only a small number of remaining tenancies under this Act. For these tenancies, rent increases can only occur every 3 years and the restrictions on rent increases already built into the system operate to ensure rents in respect of the 1984 Act are raised at fair levels.
Certain tenancies under the Housing (Scotland) Act 1988 are not covered by the rent cap. The Housing (Scotland) Act 1988, as amended by Schedule 1 of the Cost of Living (Tenant Protection) (Scotland) Act 2022, sets out that the rent cap will apply to rent increases during the course of assured and short assured tenancies, except in the case of an exempt tenancy ( section 23A, Housing (Scotland) Act 1988 ). Common law tenancies are also not included, for example, agricultural tenancies.
We do not centrally hold data on the total number of tenancies described above, so it is not possible to provide the number of tenancies currently in operation that are not covered by the Cost of Living (Tenant Protection) (Scotland) Act 2022 rent cap measures.
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Date lodged: Monday, 03 July 2023
Submitting member has a registered interest.
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Current Status:
Answered by Patrick Harvie on 31 July 2023
To ask the Scottish Government what estimates or modelling it holds of the number of joint tenancies that may not be subject to the rent cap, in situations where some tenants are moving out and others are remaining in the property.
Answer
The Cost of Living (Tenant Protection) (Scotland) Act 2022 is an emergency response to provide additional protection to people who rent their home during the cost crisis. It aims to ensure that the majority of tenants - including those who are part of a joint tenancy in the private rented sector - are protected by the temporary emergency measures, by capping in-tenancy rent increases.
Joint tenancies are subject to the cap on in-tenancy rent increases. The Scottish Government do not hold details of the turnover of joint tenancies in Scotland so are unable to estimate or model how many such tenancies may be ended due to some joint tenants moving out while others remain in the property.
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Date lodged: Monday, 03 July 2023
Submitting member has a registered interest.
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Current Status:
Answered by Paul McLennan on 26 July 2023
To ask the Scottish Government how many affordable homes it has approved under the Affordable Housing Supply Programme in each of the last five financial years, broken down by (a) quarter and (b) local authority area.
Answer
Statistics relating to the progress of the Affordable Housing Supply Programme are published quarterly on the Scottish Government website. These statistics relate to the number of approvals, site starts and completions of social and affordable homes, and can be accessed using the following link : https://www.gov.scot/publications/housing-statistics-for-scotland-new-house-building/ .
A table showing the number of affordable homes approved under the Affordable Housing Supply Programme in each of the last five financial years, broken down by local authority area, has been placed in the Scottish Parliament Information Centre (Bib. Number 64393).
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Date lodged: Monday, 03 July 2023
Submitting member has a registered interest.
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Current Status:
Answered by Paul McLennan on 26 July 2023
To ask the Scottish Government for how long an approval under the Affordable Housing Supply Programme remains valid.
Answer
Offers of grant funding to councils and Registered Social Landlords under the Affordable Housing Supply Programme are not time limited. While the vast majority of affordable housing projects are delivered as planned following approval, any decision to withdraw an offer of grant following approval would only be taken in close consultation with the council or Registered Social Landlord and following determination that this was the best course of action under the circumstances.
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Date lodged: Monday, 03 July 2023
Submitting member has a registered interest.
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Current Status:
Answered by Paul McLennan on 26 July 2023
To ask the Scottish Government when it last audited any outstanding Affordable Housing Supply Programme approvals, and what the findings were of any such audit.
Answer
We constantly monitor the flow of approvals through the Affordable Housing Supply Programme. While council and Registered Social Landlord projects which are seeking grant funding in excess of the relevant affordable housing investment benchmark are subject to a detailed value for money assessment, which can take longer than the streamlined approval process which applies in cases where projects can be delivered with grant funding at or below benchmark, there is no evidence to suggest that this is having a material impact on the speed of programme delivery.
Once approved, we continue to work closely with partners to check that projects are progressing as planned.