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Government Mortgage Rescue Scheme
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Book Synopsis The Mortgage Rescue Scheme by : Great Britain. National Audit Office
Download or read book The Mortgage Rescue Scheme written by Great Britain. National Audit Office and published by The Stationery Office. This book was released on 2011 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Mortgage Rescue Scheme, since it was launched in January 2009 by the Department for Communities and Local Government, achieved fewer than half of the rescues expected. The Department directly helped 2,600 households avoid repossession and homelessness at a cost of in excess of �240 million - but it originally expected to help 6,000 households for �205 million. Under the Scheme, vulnerable homeowners at imminent risk of repossession who fulfil the eligibility criteria can apply to housing associations to provide them with an equity loan to help them reduce their monthly mortgage payments and retain ownership; or, alternatively, to purchase the home outright with the former owner remaining in the house as a tenant. The Department misjudged what the levels of demand would be for the respective types of rescue. It thought that most households would choose to take an equity loan through the Scheme, the cheaper option for the taxpayer, but nearly all sold their houses and stayed on as tenants. As a result, the average cost of each completed rescue has been much higher than expected - �93,000, compared with �34,000. The Department does not have enough information to say why so few households took the equity loan route. The Department now has actions in place to reduce the cost of the Scheme to the taxpayer. The report concludes that the Department did not adequately test the assumptions underpinning the Scheme's business case, and that it could have acted earlier to improve value for money.
Author :Great Britain: Parliament: House of Commons: Treasury Committee Publisher :The Stationery Office ISBN 13 :9780215540805 Total Pages :220 pages Book Rating :4.5/5 (48 download)
Book Synopsis Mortgage arrears and access to mortgage finance by : Great Britain: Parliament: House of Commons: Treasury Committee
Download or read book Mortgage arrears and access to mortgage finance written by Great Britain: Parliament: House of Commons: Treasury Committee and published by The Stationery Office. This book was released on 2009-08-08 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report focuses on households affected by the recession, struggling with mortgage arrears or at risk of repossession. The role of the Financial Services Authority (FSA) is also scrutinised. The report notes that both mortgage arrears and repossession levels are on an upward trend and that both are expected to continue rising over the next few years as a result of the recession. The Committee acknowledges that many mainstream lenders are taking pro-active steps to support consumers in mortgage difficulties, but expresses concern at the lack of flexibility and forbearance shown by some lenders in the sub-prime, specialist and second charge sectors towards homeowners in arrears, and the fact that some lenders are charging high and excessive mortgage arrears fees to customers who fall into mortgage difficulties. The FSA should take a much more robust stance towards tackling and eliminating unfair arrears charges. The report criticises the seemingly leisurely approach of the FSA in terms of completing its mortgage arrears review and enforcing possible breaches in the mortgage arrears rules. It calls upon the FSA to spell out clearly in its forthcoming review how it will improve its performance in terms of bringing miscreant firms to book. The report recommends that the Government re-examine its longer-term strategy towards supporting homeowners in mortgage difficulties to ensure that adequate mechanisms to support homeowners are in place even once the current downturn has ended.
Author :Great Britain: Parliament: House of Commons: Communities and Local Government Committee Publisher :The Stationery Office ISBN 13 :9780215544360 Total Pages :196 pages Book Rating :4.5/5 (443 download)
Book Synopsis Communities and Local Government's departmental annual report 2009, and the performance of the Department in 2008-09 by : Great Britain: Parliament: House of Commons: Communities and Local Government Committee
Download or read book Communities and Local Government's departmental annual report 2009, and the performance of the Department in 2008-09 written by Great Britain: Parliament: House of Commons: Communities and Local Government Committee and published by The Stationery Office. This book was released on 2010-03-05 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt: Incorporating HC 1038-i-ii, session 2008-09. The DCLG departmental annual report 2009 was published as Cm. 7598 (ISBN 9780101759823)
Book Synopsis The Future of Public Housing by : Jie Chen
Download or read book The Future of Public Housing written by Jie Chen and published by Springer Science & Business Media. This book was released on 2013-12-26 with total page 325 pages. Available in PDF, EPUB and Kindle. Book excerpt: Public housing was once an important strand in western housing policies, but is seldom seen as a mainstream policy instrument for the future. In contrast, in many East Asian countries large public housing programs are underway. Behind these generalizations, there are exceptions, too. By including perspectives of scholars from across the world, this book provides new insights into public housing in its various forms. It contains in-depth chapters on public housing in five East Asian countries and six Western countries, together with three comparative overview chapters.
Author :Great Britain. Parliament. House of Commons. Communities and Local Government Committee Publisher :The Stationery Office ISBN 13 :9780215526601 Total Pages :150 pages Book Rating :4.5/5 (266 download)
Book Synopsis Communities and Local Government's Departmental Annual Report 2008 by : Great Britain. Parliament. House of Commons. Communities and Local Government Committee
Download or read book Communities and Local Government's Departmental Annual Report 2008 written by Great Britain. Parliament. House of Commons. Communities and Local Government Committee and published by The Stationery Office. This book was released on 2009 with total page 150 pages. Available in PDF, EPUB and Kindle. Book excerpt: In its report of last year on the Communities and Local Government's Departmental Annual Report 2007 (HC 170, session 2007-08, ISBN 9780215037978) the Committee commented on the particular nature of the Department's work: on its unusual reliance for the achievement of the goals Government has set it on a plethora of other Departments, agencies, non-departmental bodies, local authorities and other stakeholders; on the long, devolved delivery chains by which those goals therefore have to be delivered; and on the skills of influence, brokering and negotiation which are required to achieve them. In this Report the Committee assesses the progress made since last. The most recent Cabinet Office Capability Review concludes that there has been a positive "direction of travel" for CLG in that period, but the Committee concludes that there is still some way to go before CLG can be said to be performing at the highest achievable level of effectiveness. The Department's overall performance against its Public Service Agreement targets is likewise moving in the right direction but still short of full effectiveness. Achievement of efficiency targets is applauded. Finally, the report considers examples of particular policies which highlight some of the Department's strengths and weaknesses, and follow up some issues in earlier inquiries. These issues include: eco-towns; the Decent Homes programme; Home Information Packs; Fire Service response times; Firebuy; the FiReControl programme. The report also considers the Department's response to the serious flooding of summer 2007, and to the reviews which followed; and the mismanagement of European Regional Development Fund monies.
Author :Great Britain. Parliament. House of Commons. Communities and Local Government Committee Publisher :The Stationery Office ISBN 13 :9780215526526 Total Pages :276 pages Book Rating :4.5/5 (265 download)
Book Synopsis Housing and the Credit Crunch by : Great Britain. Parliament. House of Commons. Communities and Local Government Committee
Download or read book Housing and the Credit Crunch written by Great Britain. Parliament. House of Commons. Communities and Local Government Committee and published by The Stationery Office. This book was released on 2009 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this report the Communities and Local Government Committee says the Government must stick to its long term house building targets, despite the credit crunch, but a greater proportion of the homes built should be social housing. The Committee is concerned that the £975 million borrowed by the Government from its 2010-11 budgets to build social rented housing now is not new money, and that the Government has been unable to say how that borrowing will be replaced. The Committee urges the Department for Communities and Local Government to: put pressure on the Treasury to ensure measures to revive the mortgage markets are implemented immediately; increase construction of new social housing, both to provide for housing need and as a means of maintaining capacity in the homebuilding industry whilst the market recovers; accelerate refurbishment programmes for social housing; acquire further social housing through the purchase of unsold stock and street properties; consider the purchase of unsold family homes which have been on the market for more than a year; encourage public sector bodies to make land available for the development of new homes. The report also urges the Government to do more to help those at risk of repossession by considering sanctions against lenders who repossess too quickly and by doing more to protect tenants and homeowners from unscrupulous landlords. An Office of Fair Trading recommendation for sale-and-rent back schemes should be implemented as a matter of urgency to protect the growing number of households falling behind in mortgage payments. The Committee would like to see more done to support housing associations, including increasing social housing grant where necessary.
Book Synopsis The Idea of Home in Law by : Lorna Fox O'Mahony
Download or read book The Idea of Home in Law written by Lorna Fox O'Mahony and published by Routledge. This book was released on 2016-03-03 with total page 249 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Idea of Home in Law: Displacement and Dispossession explores an important set of legal and policy issues surrounding the concepts of home and homelessness, taking a growing area of legal scholarship into the new arena of human rights and international law. The collection considers the ideas concerning home - both in the sense of the dwelling place as a special type of property, and territorial claims to homeland - which underpin many contemporary legal problems, by examining a range of contexts where people are displaced or dispossessed from their homes. The essays focusing on dispossession consider themes ranging from mortgage and rent arrears in the UK to responses to the foreclosure crisis in the USA, and from eviction for the purposes of economic development in South Africa to the exclusion of asylum seekers from the UK's social housing and welfare provision, and within the framework of the European Convention on Human Rights. The displacement theme, meanwhile, examines transnational 'home' issues from the experiences of exiles and refugees in areas of conflict to the impact of the broader context of economic, social and cultural rights on attempts to protect housing and home through international law. At the heart of each essay the contributors, experts from across the fields of law, policy, and housing rights, examine the circumstances in which displacement and dispossession take place, and reconsider how law and policy respond to such circumstances with a particular focus on the impact of loss of home for the human person. At a time of particular and increasing concern about security of tenure and the role of law and policy in protecting people who are vulnerable to forced eviction, The Idea of Home in Law presents a bold opportunity to raise questions about the 'rights' and norms associated with housing and home, and to generate new insights for scholarship and for national and international policy debates concerning displacement and dispossession.
Book Synopsis Community, Home, and Identity by : Terry L. Turnipseed
Download or read book Community, Home, and Identity written by Terry L. Turnipseed and published by Routledge. This book was released on 2016-05-23 with total page 239 pages. Available in PDF, EPUB and Kindle. Book excerpt: Community, home, and identity are concepts that have concerned scholars in a variety of fields for some time. Legal scholars, sociologists, anthropologists, psychologists, and economists, among others, have studied the impacts of home and community on one's identity and how one's identity is manifested in one's home and in one's community. This volume brings together some of the leading thinkers about the connections between community, home and identity. Several chapters address how the law and lawyers contribute (or detract) from the creation and maintenance of community and, in some cases, the conscious destruction of communities. Others examine the protection of individual and group identities through rules related to property title and use of such things as Home and 'identity property'.
Download or read book Land Law written by Chris Bevan and published by Oxford University Press. This book was released on 2024-04-19 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis OECD Economic Surveys: United Kingdom 2011 by : OECD
Download or read book OECD Economic Surveys: United Kingdom 2011 written by OECD and published by OECD Publishing. This book was released on 2011-03-16 with total page 165 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 2011 edition of OECD's periodic survey of the UK economy. This edition includes chapters covering supporting the recovery and rebalancing the economy, improving the functioning of the housing market, reforming education in England, and climate ...
Book Synopsis All That Is Solid by : Danny Dorling
Download or read book All That Is Solid written by Danny Dorling and published by Penguin UK. This book was released on 2014-02-19 with total page 307 pages. Available in PDF, EPUB and Kindle. Book excerpt: Housing was at the heart of the financial collapse, and our economy is now precariously reliant on the housing market. In this groundbreaking new book, Danny Dorling argues that housing is the defining issue of our times. Tracing how we got to our current crisis and how housing has come to reflect class and wealth in Britain, All That Is Solid radically shows that the solution to our problems - rising homelessness, a generation priced out of home ownership - is not, as is widely assumed, building more homes. Inequality, he argues, is what we really need to overcome.
Book Synopsis Old-Age Provision and Homeownership – Fiscal Incentives and Other Public Policy Options by : Martina Eckardt
Download or read book Old-Age Provision and Homeownership – Fiscal Incentives and Other Public Policy Options written by Martina Eckardt and published by Springer. This book was released on 2018-05-10 with total page 253 pages. Available in PDF, EPUB and Kindle. Book excerpt: In light of demographic change and the growing problems of traditional old-age security systems, this book discusses two essential instruments in connection with privately providing for old-age security: (1) savings in private pension schemes and (2) building up equity for home-ownership. Further, it assesses the relationship between the two instruments and offers a unique overview of the latest market developments. In order to represent the profound differences between the individual member states of the EU, this book features six country-specific studies – covering Germany, Hungary, Ireland, Italy, the Netherlands and the United Kingdom – that provide detailed insights into the complexity of local private pension schemes, mortgage markets, and housing markets. Lastly, the book discusses public policies and fiscal incentives intended to better integrate residential property with private pensions. It will appeal to both, private households seeking to build up old-age security, as well as policy makers interested in providing secure pension schemes.
Author :Great Britain: Parliament: House of Commons: West Midlands Regional Committee Publisher :The Stationery Office ISBN 13 :9780215543424 Total Pages :140 pages Book Rating :4.5/5 (434 download)
Book Synopsis The effect of the economic downturn on the people in the West Midlands by : Great Britain: Parliament: House of Commons: West Midlands Regional Committee
Download or read book The effect of the economic downturn on the people in the West Midlands written by Great Britain: Parliament: House of Commons: West Midlands Regional Committee and published by The Stationery Office. This book was released on 2010-01-26 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report is the Committee's second inquiry in the effect of the economic downturn on the people of the region. The Committee's terms of reference are: what problems exist and how their effect can be minimised in advance of an economic upturn; how effectively Government agencies and other regional bodies are addressing these problems; and what advice and assistance people need to help them live more sustainable lifestyles in the future. The Committee was particularly interested in the level of indebtedness and home repossessions; availability of appropriate training; the adequacy of assistance and social cohesion. The Committee is concerned that some of those areas most in need of additional Government assistance may not be aware of new funding available and do not have the capacity to bid for it. They understand that the Taskforce should not be seen as the answer to every problem in the region and that it was set up to focus on the initial economic impact of the downturn. However the Taskforce has reach within the region and uninhibited connection to Whitehall. It is also recognised that the region's third sector has not been as fully engaged as they had hoped.
Book Synopsis Conveyancing Handbook by : Frances Silverman
Download or read book Conveyancing Handbook written by Frances Silverman and published by The Law Society. This book was released on 2015-12-08 with total page 1492 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Law Society's Conveyancing Handbook is revised annually by a team of expert editors and contributors, directed by an editorial board and edited by Frances Silverman. Its up-to-date guidance on good practice makes it every conveyancers' first port of call for the resolution of issues arising from day-to-day transactions. Among the changes to the law and practice covered by this 22nd edition are:- good practice regarding pre-contract searches and enquiries- the scope of Flood Re- contaminated land practice note- architects' certificates after Hunt v. Optima- regulation affecting off-mains drainage.These developments and more are considered within a chronological account of a residential conveyancing transaction, supported by comprehensive reference materials, including all the relevant standard forms and guidance.
Download or read book Home Ownership written by J. F. Doling and published by IOS Press. This book was released on 2010 with total page 183 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides an overview of the effects of home ownership. This book refers to processes in the development of the homeownership stock including problems of access, which in turn implies issues of affordability, the viability of financial institutions and subsidies. It also provides an overview of the research results in this field.
Book Synopsis Housing, Individuals and the State by : Peter King
Download or read book Housing, Individuals and the State written by Peter King and published by Routledge. This book was released on 2006-12-05 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: Can the state solve housing problems or does it create them? This book explores the question by combining a detailed critique of contemporary housing policy with a philisophical analysis of the role of the state and individuals. Examining the state's role as controller and funder of housing, the author contends that the state is not capable of planning and controlling a sustainable housing policy.
Author :Great Britain: Department for Communities and Local Government Publisher :The Stationery Office ISBN 13 :9780108511127 Total Pages :94 pages Book Rating :4.5/5 (111 download)
Book Synopsis Laying the foundations by : Great Britain: Department for Communities and Local Government
Download or read book Laying the foundations written by Great Britain: Department for Communities and Local Government and published by The Stationery Office. This book was released on 2011-11-24 with total page 94 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is the Government's strategy to tackle the housing shortage, boost the economy, create jobs and give people the opportunity to get on the housing ladder. It covers: help for home buyers; help for housebuilders; improving fairness in social housing; support for the private rented sector; action on empty homes; supporting older people to live independently. The strategy also proposes accelerating the release of public sector land with capacity to build up to 100,000 new homes by 2015, and support up to 200,000 construction and related jobs during development.
