News
Welsh Government unveils mortgage support scheme
THE WELSH GOVERNMENT has announced a new funding package for Welsh homeowners having difficulty paying their mortgage.
Julie James, Wales’s Minister for Housing, unveiled the Help to Stay Wales Mortgage Support Scheme on Tuesday, November 7.
TARGETED SUPPORT
With rising interest rates, energy costs and cost-of-living expenses, many homeowners cannot meet mortgage repayments.
As part of the Co-operation Agreement, the Welsh Government and Plaid Cymru considered introducing Local Authority Mortgages. However, that idea is a non-starter.
Instead, the Help to Stay Wales Scheme formed part of discussions about the mortgage market and how the Welsh Government can provide targeted support.
PREVENTION BETTER THAN CURE
With increased investment, the Welsh Government aims to prevent many individuals and families from entering possession proceedings and becoming homeless, adding to the already stressed waiting lists and high temporary accommodation costs for Local Authorities.
During 2022-23 and 2023-24, the Welsh Government provided more than £3.3 billion of support to help people struggling with the cost of living through targeted programmes which put money back into people’s pockets.
As part of the budget agreement with Plaid Cymru for 2023-24, £40m repayable capital funding has been made available over this year and next year to bring forward schemes to provide flexible financial support.
WORKING ALONGSIDE EXISTING SCHEMES
Help to Stay Wales will work alongside support offered by mortgage providers through the UK Mortgage Charter for customers struggling to afford their mortgage payments.
The Scheme will provide an option for homeowners who are at serious risk of losing their home by offering a partial repayment of an existing mortgage balance via a low-cost equity loan, secured by a second charge (behind first charge lender), reducing revised mortgage repayments to a level the applicant can afford.
The Development Bank of Wales will operate the Scheme and be interest-free for the first five years.
The purpose of the Scheme is to reduce the number of homeowners at risk of repossession and homelessness by offering them time to resolve their underlying financial issues.
UK FINANCE AND LENDERS SUPPORT SCHEME
Julie James MS said: “The current economic climate presents many challenges for homeowners as they face the significant rise in fuel costs, high inflation, escalating rent and house prices with incomes often not keeping pace.
“The aim of the Help to Stay Wales Scheme is to help homeowners to continue living in their precious homes.
“By widening our current mortgage rescue offer, we can help more people at an earlier stage before they face the awful threat of repossession.
“I would like to thank UK Finance and mortgage lenders already supporting the Scheme. I hope more lenders will provide their support over the coming weeks.
“We will continue to do all we can with our powers to protect vulnerable households through this cost-of-living crisis.”
Designated Member Siân Gwenllian said: “The detailed work undertaken through the Co-operation Agreement on the mortgage market has led to the creation of Help to Stay Wales to support people affected by soaring interest rates.
“By utilising the financial institutions and the powers we currently have in Wales, we have created a Made in Wales solution which will provide direct support to those facing the greatest difficulties.
“Despite having limited powers and resources in this area, our hope is that the direct support being provided in Wales will provide an additional safety net.”
AVOIDING THE STRESS OF REPOSSESSION
Chief Executive for Shelter Cymru, Ruth Power, said: “We’ve been campaigning for more support for homeowners struggling with their mortgage repayments.
“We welcome any initiatives that get upstream to prevent homelessness and widen the safety net for households facing a cost of housing and cost-of-living crisis.
“This Scheme will offer eligible households assistance from the early point of arrears accruing rather than waiting until they face the incredible stress of repossession.
“We must now ensure that as many households as possible have the option to use it to stay in their homes, learning from people at risk of homelessness how best such a scheme can help them.
“Anyone at immediate risk of losing their home can contact Shelter Cymru’s helpline on 08000 495 495 for independent advice.”
Mortgage Rescue, which has operated in Wales since 2008, is still available and remains a valuable last resort, but requires people to already be in possession proceedings to qualify for support.
Help to Stay Wales will extend this to include those facing possession proceedings and financial hardship.
CONSERVATIVES PROPOSE
AMBITIOUS ALTERNATIVE
Welsh Conservative Shadow Housing Minister Janet Finch-Saunders MS said: “It is not the role of the Welsh Government to hand out loans to pay off people’s mortgages.
“The UK Government has already secured a wide range of support directly from mortgage providers to support people.
“The Scheme raises several questions, including whether it is being targeted correctly and why social landlords are not being supported to invest in homes threatened with repossession.”
Speaking to The Herald, Janet Finch-Saunders explained: “A social landlord mortgage rescue scheme can work in two ways.
“The first is through a shared equity loan. If a homeowner qualifies, they will be given an equity loan from a housing association, enabling them to keep up with their mortgage payments. The loan is repayable to the housing association but is interest-free.
“The second option is mortgage to rent. If an individual cannot afford to continue owning a share of their property, the housing association could buy the property and rent it back to the individual.
“Whilst the second option would mean that the individual no longer owns their own home, they would still be able to live there, but by renting from a social landlord.
“Individuals would reach out to the relevant local authority/social landlord, so there would be no preying on struggling homeowners”.
Health
Phone calls to reduce GP visits for 42% of patients this winter
NEW research from the Royal Voluntary Service has shown that a simple phone call could significantly impact well-being, reducing GP visits by 42% among patients who receive regular telephone support.
The charity urges those feeling isolated this winter, particularly the elderly, to use telephone support services as a way to improve health and free up GP appointments, potentially reducing waiting times. It is estimated that if people experiencing loneliness in later life reduced their GP visits by just one appointment a year, this could free up 588,000 appointments annually.
As winter approaches, the Royal Voluntary Service reports that isolation can sharply increase, especially for adults over 75, with nearly half (47%) of people in this age group feeling lonelier in the colder months. Among those who live alone, one in six say they feel forgotten during winter, and 20% report having no one to turn to for emotional support.
In addition to loneliness, older generations face several winter worries, including increased heating costs, cited by 55% of respondents, and reduced ability to go out, which 29% said they dreaded as winter sets in.
To address these challenges, Royal Voluntary Service has launched the Stay Safe, Warm and Well campaign in partnership with Yakult. The campaign provides a guide for practical and emotional winter preparation, encouraging sign-ups for telephone support services and offering access to the Virtual Village Hall online community for events and activities. Practical advice on money-saving and energy-saving tips is also available through the guide.
Royal Voluntary Service Ambassador Elaine Paige, who has herself made support calls for the charity, described the positive impact these calls can have. “A warm, friendly phone call can transform someone’s day. Some conversations leave you smiling long after the call ends—something we could all use, especially in winter. For those facing the season alone, there are amazing people ready to remind you that you’re not alone,” she said.
The charity’s support services match volunteers with individuals across the UK for friendly chats, reducing isolation and boosting mental health. Catherine Johnstone CBE, Chief Executive of Royal Voluntary Service, said: “The feedback that conversations with volunteers are helping people to visit their GP less is testament to the value of connection.”
Yakult Marketing Manager Reshma Patel added: “Our research with Royal Voluntary Service shows that one in four adults over 75 feel they’d benefit from practical and emotional support over winter. We are committed to helping people access the Stay Safe, Warm and Well guide to support their overall well-being.”
Crime
Welsh shop workers face ‘surge in shoplifting linked violence and abuse’ says union
A NEW survey by retail trade union Usdaw has revealed disturbing figures on the abuse, threats, and violence endured by Welsh shop workers, with incidents increasingly linked to shoplifting. Released during Respect for Shop Workers Week, which runs from November 11 to 17, the statistics highlight a troubling trend that is impacting thousands of retail employees.
Usdaw’s survey, based on responses from over 4,000 retail staff, shows that in the past year:
- 69% experienced verbal abuse.
- 45% were threatened by customers.
- 17% were assaulted.
Usdaw General Secretary Paddy Lillis commented on the findings, saying: “Shop workers deserve far more respect than they receive. These reports from Welsh retail staff make grim reading. It is shocking to see over two-thirds of our members subjected to abuse, threats, and violence. Seven in ten of these incidents are related to theft, much of it tied to addiction and organised crime.”
Usdaw’s survey suggests that shoplifting is increasingly becoming a flashpoint for violence. Many shop workers report encountering hardened criminals who appear to steal goods “to order” or to fund addictions. According to the union, incidents are on the rise across Wales, with police-reported shoplifting up by 33% in the past year.
Usdaw member testimonies paint a vivid picture of the dangers faced on the shop floor:
- One respondent described being “spat at, pushed against a wall, punched, and threatened with a knife.”
- Another reported that, after refusing to sell alcohol, they were told to “F**k off” and threatened with a beating by a group of five.
- Others spoke of being punched, spat on, and verbally abused, with threats that often left lasting emotional scars.
New measures on the horizon
Usdaw has been calling for greater legal protection for retail workers for years, and it appears these calls are finally being heard. The recent Crime and Policing Bill, announced in the King’s Speech, proposes to:
- End the £200 threshold for prosecuting shoplifters, which has been a source of frustration for retailers.
- Introduce town centre banning orders for repeat offenders.
- Allocate funding for tackling organised shoplifting and increase police presence in shopping areas.
“We welcome these new measures and hope they will provide much-needed protection,” said Mr. Lillis. “After 14 years of neglect under successive Tory governments, we are encouraged by the steps the new Labour government is taking to address the retail crime epidemic.”
As Christmas approaches—a time when retail crime tends to peak—Usdaw is urging the public to “respect shop workers” and remain calm as stores become busier.
Usdaw, which represents around 360,000 members, primarily in retail, launched its Freedom From Fear Campaign to tackle the growing issue of violence against shop workers. The final results of the 2024 survey are expected in March 2025.
Charity
Milford Haven RNLI celebrates heartfelt donation from Neyland Ladies Choir
MILFORD HAVEN RNLI Fundraising Group received a generous donation of over £1,000 from Neyland Ladies Choir this October, marking a touching tribute to Mrs. Dorothy Beckett, one of the RNLI’s longest-standing supporters.
The Neyland Ladies Choir held a special concert at St. Mary’s Church on Waterloo Road, Hakin, to celebrate Dorothy Beckett’s 90th birthday. A lifelong supporter of the Royal National Lifeboat Institution (RNLI), Dorothy has played a crucial role in lifeboat fundraising in the Milford Haven area, dating back to the 1970s. She was instrumental in establishing the Hakin Point RNLI fundraising group, which has raised over £500,000 to support the RNLI’s lifesaving work.
The concert’s proceeds were presented in a moving ceremony at Bethesda Baptist Church in Neyland. Accepting the donation on behalf of the RNLI were Steve Lewis, Chairman of the fundraising group, and Thomas Kehoe, Deputy Coxswain of the Angle Lifeboat.
Adding to the evening’s celebrations, Alice Coleman, RNLI Community Manager, presented Dorothy with the Long Service Medal, recognizing her fifty years of dedication to the institution. This award, given by the RNLI, honors Dorothy’s unwavering commitment to saving lives at sea.
“Thank you, Neyland Ladies Choir and Dorothy Beckett,” said the RNLI in a heartfelt message to the community. “Your support and dedication mean the world to us.”
The Milford Haven RNLI Fundraising Group encourages supporters to share and spread the word, hoping that Dorothy’s legacy inspires continued community support.
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