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”.
Charity
Shalom House adapts to community needs amid financial struggles
A HOSPICE in St Davids is finding new ways to support the community after financial challenges forced changes to its operations. Shalom House, a well-loved facility on Nun Street, has shifted its focus in recent years, balancing healthcare provision with its founding mission.
Established in 2007, Shalom House was originally designed as a five-bed hospice offering respite and palliative care. Its creation was made possible by the donation of the property from Elizabeth de Guise, a novelist with a deep connection to Pembrokeshire. However, rising costs and funding shortfalls have led to significant changes in how the hospice operates.
In late October, the closure of St Davids Surgery prompted Shalom House to repurpose two of its rooms for use by a branch surgery. The facility is now home to a service staffed by practice nurses under Hywel Dda Health Board, ensuring local residents continue to have access to healthcare.
Balancing priorities
While the move has been welcomed by many in the area, it has come at a cost. Shalom House now operates with three respite beds instead of five, a change that has sparked concern among some supporters.
“We had to make a difficult decision,” a spokesperson for the hospice said. “Our primary goal is to serve the community, and this arrangement allows us to do so in multiple ways. The branch surgery provides vital medical care while helping us generate income to keep Shalom House open.”
The hospice continues to offer day-care services to several patients each week, with additional respite care provided as resources allow. Trustees are optimistic that full capacity can be restored in the future, depending on funding.
Community campaign brings hope
Despite the challenges, Shalom House has received overwhelming support from the Pembrokeshire community. A recent campaign, “Save Shalom,” has seen donations increase dramatically, offering a glimmer of hope for the hospice’s long-term future.
Local resident and campaign volunteer, Jenny Williams, said: “Shalom House means so much to so many people. It’s more than a building—it’s a lifeline for families across the county. We’re determined to do everything we can to keep it running.”
Looking ahead
The trustees are exploring new ways to raise funds and expand services, with plans to launch a series of community events next year. They have also expressed gratitude for the continued generosity of local residents, whose donations remain crucial.
“Shalom House has always been about Pembrokeshire’s people,” said the spokesperson. “Every penny donated helps us provide care and support to those who need it most. We’re confident that, with the community behind us, we can overcome these challenges.”
For more information about Shalom House or to make a donation, visit www.shalomstdavids.org.
Entertainment
A Christmas spectacular at St Davids Cathedral delights audience
A CHRISTMAS celebration of music and song enthralled audiences at St Davids Cathedral on Saturday (Dec 14), as the St Davids Cathedral Choir and Vox Angelica presented A Christmas Spectacular. The event, which began at 7:00pm, offered a festive evening of performances set against the awe-inspiring backdrop of one of Wales’ most iconic landmarks.
The concert featured the talented harpist Bethan Semmens, who captivated listeners with her intricate and emotive playing. A Cardiff native, Semmens studied at the Royal College of Music and has performed at prestigious events across the UK and internationally. Her contributions to the evening brought an enchanting touch to the programme.
The night was packed with beloved seasonal pieces, showcasing both choral and soloist performances. Highlights included the timeless Good King Wenceslas, Winter Wonderland, and festive classics such as The Twelve Days of Christmas. The Cathedral Choir delivered stirring renditions under the vaulted ceilings, with carols and arrangements that beautifully resonated throughout the space.
Special moments featured solos by Harriet Pearce and Sophie Cooke, who lent their voices to favourites like There Is No Rose and Balulalow. The audience was further treated to a moving arrangement of A Ceremony of Carols by Benjamin Britten, performed in harmony with Bethan Semmens’ harp accompaniment.
A medley of carols encouraged audience participation, culminating in a joyful and spirited atmosphere. Families, friends, and visitors joined their voices for classics that brought warmth and festivity to the wintry evening.
The performance concluded with an uplifting recessional, leaving attendees with a sense of seasonal cheer. The Cathedral, adorned with Christmas trees and lights, provided the perfect setting for what many described as an unforgettable musical experience.
The Herald understands that A Christmas Spectacular was a resounding success, with plans already underway for next year’s event.
News
Greyhound racing in Wales: Future hangs in balance as decision delayed until 2025
THE WELSH GOVERNMENT’S decision to postpone a ruling on the future of greyhound racing until 2025 has sparked mixed reactions, with animal welfare groups voicing disappointment and industry representatives welcoming the extended timeline for discussion.
Welfare groups demand urgent action
Animal welfare organisations, including Dogs Trust, RSPCA Cymru, Blue Cross, Greyhound Rescue Wales, and Hope Rescue, have expressed dismay at the delay. The coalition, known as Cut the Chase, has long advocated for an end to greyhound racing in Wales, calling the postponement a missed opportunity to prevent further harm.
Their concerns mirror recent developments in New Zealand, where greyhound racing will be banned by August 2026 due to concerns over injuries and fatalities. Owen Sharp, Chief Executive of Dogs Trust, stated:
“The call to end greyhound racing in Wales has received overwhelming support from the animal welfare community, Members of the Senedd, and the public, with over 35,000 people signing a petition demanding change.
“It is unacceptable that so many dogs die or are seriously injured every year, all in the name of entertainment. Wales now stands alongside only a handful of countries, including England and Scotland, where this outdated and inhumane practice persists. The Welsh Government must take the only meaningful action to stop this cruelty: end greyhound racing once and for all.”
Public supports a phased ban
A consultation conducted by the Welsh Government revealed that 64.69% of respondents supported a phased ban on greyhound racing. Despite this, officials have opted to extend deliberations, with a final decision now expected in 2025.
Animal welfare groups highlighted troubling figures from the Greyhound Board of Great Britain (GBGB), which reported 359 racing greyhound deaths and 4,238 injuries in 2023 – a 47% increase in fatalities compared to the previous year. Concerns extend to off-track welfare, including reports of poor living conditions, inadequate nutrition, and lack of enrichment for retired greyhounds.
Industry defends its welfare standards
The GBGB has countered criticism by emphasizing welfare improvements at licensed tracks such as Valley Stadium in Wales. Mark Bird, GBGB Chief Executive, said:
“Valley Stadium’s licensing has brought significant welfare improvements, overseen by expert veterinarians and our national network of professionals. Racing greyhounds receive more oversight and protection than many pet dogs across Wales.
“We remain committed to working with the Welsh Government to promote and protect greyhound welfare through effective and proportionate regulation.”
Broader calls for change
The debate in Wales reflects a growing movement to end greyhound racing across the UK and beyond. In Scotland, a Proposed Prohibition of Greyhound Racing Bill aims to outlaw the sport, while New Zealand has committed to a ban, citing ethical concerns.
Decision delayed but debate intensifies
The Welsh Government has emphasized the need for thorough consideration before making a final decision. However, the delay has intensified divisions, with animal welfare groups urging an outright ban and the industry advocating for improved regulation as a viable alternative.
A final verdict is not expected until 2025, leaving the future of the sport – and the welfare of thousands of greyhounds – uncertain.
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