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The Deputy First Minister met with the financial services sector at the quarterly Financial Services Growth and Development Board (FISGAD) on 30 August 2022 and discussed measures industry and government can partner on to support households and businesses in Scotland.

Officials also regularly engage with UK Finance (representative body for the banking and Finance Industry) to discuss a range of issues affecting the mortgage sector including at their quarterly Board meetings in Scotland, last held on 10 June 2022, and on 1 September 2022 where discussions included the cost crisis, and the support lenders can offer customers in difficulty.

The Scottish Government remain in contact with the financial services sector on a regular basis in the current period and expect to engage regularly in the future.

I refer the member to the answer to question S6W-07387 on 30 March 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

This includes the funding provided to the Home Energy Scotland Advice Service in each year of operation. In each of the years listed Home Energy Scotland has fully used the allocated budget. Please note spend covers the main Home Energy Scotland funding relating to advice delivery cost.

A Home Energy Scotland advisor supporting an inbound enquiry from a new “unique” household will result in multiple separate advice interactions with that enquirer. Advisors also field calls from multiple different types of clients, including potentially fuel-poor clients. It is not feasible therefore to split the cost of delivering advice into the separate parameters requested.

Please find data below for Home Energy Scotland advice interactions. Prior to 2013, fuel poverty was not a separate focus for advice services. Specific fuel poverty advice services figures are only available from 2013.

HOSFGN/002 was published in April 2017. The Home Owners Support Fund property threshold guidance is being considered as part of the current review and will be updated if required.

Guidance documents for each participant are available at Support for homeowners at risk of homelessness - Homelessness - gov.scot (www.gov.scot). HOSF officials regularly provide support and information to applicants, Money Advisers, Social Landlords, Trustees and Lenders on individual applications.

I refer the member to the answer to question S6W-10243 on 7 September 2022 which shows the number of successful applications to the Home Owners Support Fund in the last 6 years. Where a social landlord acquires a property through the scheme, the homeowner will remain in their home on Scottish Secure Tenancy terms. The Scottish Government does not collect data on homeowners’ circumstances after their application has successfully concluded.

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

The average apartment rental charges have not been routinely published up to this point as we have considered this an operational matter. Figures are updated each year in line with CPI inflation figures and grant calculations are shared with social landlords before the purchase of a property is agreed. Going forward, the publication of annual rental charges will be looked at as part of the wider scheme review.

I refer the member to the answer to question S6W-10262 on 7 September 2022.

The Scottish Government does not hold the data requested. Property thresholds are being considered as part of the review.

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

The Scottish Government monitors trends in arrears and repossessions data published by the Financial Conduct Authority (FCA) and UK Finance which is collated in the quarterly Scottish Housing Market Review Scottish housing market reviews - gov.scot (www.gov.scot) .

The Home Owners Support Fund is a last resort scheme aimed at properties at the lowest 20% of the housing market. Applicants must have either mortgage arrears or have an interest only mortgage that has reached the end of its term and have no appropriate option to either repay the loan or to re-mortgage. There are a range of protections, advice and support services already in place for homeowners and not all of those affected by the current cost of living crisis will apply to the scheme.

The Scottish Government does not collect information on enquiries relating to the Home Owners Support Fund (HOSF). The Mortgage to Rent (MTR) and Mortgage to Shared Equity (MTSE) schemes are delivered as part of the HOSF programme. Each application is assessed on a case by case basis to determine which scheme best meets the applicant’s needs. During the last six years there have been no cases eligible for MTSE, due to the circumstances of applicants not meeting the eligibility criteria, in particular applicants with complex debts.

The following table shows the number of applications received during each of the last six years, the number of applications successfully completed and the number of cases closed due to ineligibility. Mortgage to Rent is a voluntary scheme and participation from applicants, lenders, trustees and social landlords is required for a case to succeed.