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”.
Local Government
Essential bridge maintenance and repairs planned for January
Works on Westfield Pill Bridge to affect A477 traffic
ESSENTIAL maintenance and repair work is set to begin on Westfield Pill Bridge, with traffic management in place on the A477 between Neyland and Pembroke Dock.
The programme of works is due to start on Monday (Jan 19) following a Principal Inspection carried out in 2022, which identified a number of necessary repairs to maintain the long-term durability and safety of the structure.
Westfield Pill Bridge is a key route linking communities in south Pembrokeshire and carries a high volume of daily traffic. While major works were last undertaken in 1998 — which required a full closure of the bridge — the upcoming refurbishment has been designed to avoid shutting the crossing entirely.
Instead, the works, scheduled to take place in early 2026, will be managed through traffic control measures to keep the bridge open throughout the project.
The planned refurbishment will include the replacement of both eastbound and westbound bridge parapets, the renewal of expansion joints, and full resurfacing of the bridge deck.
The work is expected to take no longer than three months and will involve weekend and night-time working to help minimise disruption. All construction activity will be carried out from the bridge deck and has been scheduled to avoid clashes with other planned trunk road works, as well as periods of higher traffic demand.
Two-way traffic signals will be in place for the duration of the works. These will be manually controlled during peak periods, with particular efforts made to reduce delays affecting school transport.
Motorists are advised that there may be delays to local bus services during the works, including the 349 (Haverfordwest–Pembroke Dock–Tenby) and 356 (Milford Haven–Monkton) routes.
Drivers are encouraged to allow extra time for journeys and to follow on-site signage while the works are underway.
Crime
Breakthrough in 1993 Tooze murders: 86-year-old man arrested after cold case review
POLICE investigating one of Wales’ most disturbing unsolved double murders have arrested an 86-year-old man on suspicion of killing elderly couple Harry and Megan Tooze more than three decades ago.
South Wales Police confirmed the arrest on Tuesday (Dec 17), following a forensic cold case review into the 1993 killings, which shocked the rural community of Llanharry and cast a long shadow over the South Wales justice system.
Harry Tooze, aged 64, and his wife Megan, 67, were found shot dead with a shotgun at their isolated Ty Ar y Waun farmhouse on July 26, 1993. Their bodies were discovered inside a cowshed on the property, concealed beneath carpet and hay bales, having been shot in the head at close range.
The brutality of the killings and the remoteness of the scene prompted one of the most high-profile murder investigations in Wales at the time.
Conviction later quashed
In 1995, Cheryl Tooze’s then-boyfriend, Jonathan Jones, was convicted of the murders and sentenced to life imprisonment. The prosecution case rested heavily on a partial fingerprint found on a teacup at the farmhouse.
However, the conviction unravelled just a year later. In 1996, the Court of Appeal quashed the verdict, ruling it unsafe and highlighting serious concerns about the reliability of the fingerprint evidence. The decision was widely regarded as a significant miscarriage of justice.
Jones, who consistently maintained his innocence, was supported throughout the ordeal by Cheryl Tooze, whom he later married. The couple have since spoken publicly about the devastating impact of the case on their lives.
Despite renewed appeals and periodic reviews, no one else was charged and the murders remained unresolved for nearly 30 years.
Operation Vega and forensic advances
In 2023, marking the 30th anniversary of the killings, South Wales Police launched a full cold case review under Operation Vega. The review was led by forensic scientist Professor Angela Gallop, one of the UK’s most respected figures in forensic investigation.
Detectives re-examined preserved exhibits from the original crime scene using modern forensic and DNA techniques that were not available in the early 1990s. Police have not disclosed which items were re-analysed or what evidence led to the latest arrest.
On December 17, officers arrested an 86-year-old man on suspicion of murdering Harry and Megan Tooze. He remains in police custody while enquiries continue. No further details about the suspect have been released at this stage.
Police appeal for information
Senior Investigating Officer Detective Superintendent Mark Lewis described the arrest as a significant moment, but stressed that the investigation is ongoing.
He said: “While this arrest is clearly a significant development in the investigation, our enquiries are very much ongoing. This case has affected many people over the years and our aim is to find answers to the unanswered questions which remain about their deaths over 30 years on.
“Even with the passage of time, I would urge anyone who has information about the murders, no matter how small it may seem, to come forward and speak to police.”
Anyone with information is asked to contact South Wales Police, quoting occurrence number 2300016841.
Crime
Former police officer accused of making sexual remarks to women while on duty
Court hears allegations of inappropriate behaviour during official police visits
A FORMER police officer has appeared in court accused of making sexually inappropriate remarks to women he encountered while on duty.
Luke Silver, aged 34, is alleged to have abused his position as a police officer by making unwanted and explicit comments to two women during the course of official police business.
Cardiff Crown Court heard that Silver attended one woman’s home following an incident involving her partner and took an initial statement. However, the woman told the court that Silver later returned to her address on several further occasions, during which the conversation allegedly became personal and sexual in nature.
She said the officer asked intrusive questions about her sex life and made comments about her appearance, which she found unsettling. In messages sent to a friend at the time, the woman described his behaviour as “inappropriate”, “strange” and “creepy”.
The court was told she later said she felt uncomfortable during the visits, claiming Silver behaved in an overly relaxed manner while speaking to her and made remarks that were entirely unrelated to the police matter he had attended for.
A second woman has also made allegations that Silver asked her sexually explicit questions and made comments about her body while acting in his capacity as a police officer.
Silver, formerly of Gwent Police and now living in Lamphey, Pembrokeshire, denies three counts of improper use of police powers or privileges. The alleged offences are said to have taken place in 2021.
The trial is continuing at Cardiff Crown Court.
(Image: WNS)
-
Crime1 day agoMilford Haven man jailed after drunken attack on partner and police officers
-
News4 days agoDyfed-Powys Police launch major investigation after triple fatal crash
-
Crime1 day agoTeenager charged following rape allegation at Saundersfoot nightclub
-
Crime3 days agoMan sent to Crown Court over historic indecent assault allegations
-
Crime2 days agoMan charged with months of coercive control and assaults
-
Crime5 days agoMan spared jail after baseball bat incident in Milford Haven
-
Crime3 days agoMilford Haven man admits multiple offences after A477 incident
-
Crime2 days agoWoman ‘terrified in own home’ after ex breaches court order









