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Welsh Government unveils mortgage support scheme

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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”.

 

Crime

Milford Haven drug dealing pub boss who boasted of ‘best coke around’ jailed

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Dealer who claimed £160,000 profits was later calling police for protection as threats escalated over money he owed to his suppliers

A MILFORD HAVEN drug dealer who bragged he had “the best coke out there” and claimed to have made up to £160,000 in just four months has been jailed for six years.

But behind the image of a confident, high-earning operator, the reality was starkly different — a man in debt, under threat, and repeatedly calling police for protection as his world closed in.

Police at Marble Hall Road, Milford Haven in 2025, protecting Dan Booth from drug dealers who threatened to kill him (Pic : Herald)

The 35-year-old defendant admitted multiple offences relating to the supply of cocaine and cannabis when he appeared before Swansea Crown Court.

The court heard he played a significant role in the supply of Class A and Class B drugs, purchasing large quantities — including claims he was buying cocaine by the kilogram — and maintaining contact with upstream suppliers.

In messages shown to the court, he boasted about his profits, claiming to have made £38,000 and suggesting that far larger sums were within reach. He also claimed to have earned £160,000 in just four months and said he had bought two houses.

He told customers he had “the best coke out there” and responded aggressively to complaints, stating: “Out of £30,000 worth, you’re the only one to complain,” before adding: “Bad mouthing me is a bad idea you little slag.”

The Vibe pub in Milford Haven is now closed following Dan Booth being jailed for six years

Violence and intimidation

The court was also shown chilling footage of a confrontation at a property on the Mount Estate, where the defendant was heard directing violence over a debt.

In the video, he shouted: “I got boys, yeah, I got boys,” before telling others to “kick his head in” as the attack unfolded inside the victim’s home.

Witnesses described him as having become a “kingpin” in Milford Haven’s drug scene, operating from The Vibe public house, which they claimed was used as both a legitimate business front and a base linked to drug dealing.

Fear behind the façade

Yet the court heard that behind the bravado, the defendant was living in fear.

He had accumulated drug debts estimated at between £18,000 and £26,000 and was being threatened by those higher up the supply chain. His partner reported people turning up at their home, with threats including claims it would be bombed or burned down.

The Herald attended his home address on multiple occasions to report on police activity after he called officers for protection.

In a direct call to this newspaper during the period, he said: “There are threats to my life — people want me dead, dead. I don’t want this in the paper. It’s over money… hundreds of thousands of pounds.”

Documents reveal further pressure

The Herald can also reveal that the defendant was served with a statutory demand in late 2025 over an alleged unpaid debt relating to stock, fixtures and fittings following his takeover of The Vibe public house in March 2024.

Documents seen by this newspaper indicate the financial pressures he was under extended beyond drug debts.

National attention

The case has already drawn national interest, with Channel 4 making a documentary featuring the defendant after interviewing local people in Milford Haven over recent months.

‘Significant role’ in drug trade

Police arrested the defendant on January 5 last year on suspicion of being concerned in the supply of Class A drugs. A search of an address on Priory Road uncovered 18 grams of cannabis, while a separate incident involving a vehicle led to the discovery of 73 grams of cocaine and cannabis.

Prosecutors said he was actively involved in the supply of drugs and purchasing large quantities, describing him as a key player in the local trade.

He has 57 previous convictions, mostly for theft-related offences.

‘Only a custodial sentence’

Defending, Mr Ibrihim described his client’s background as a “tale of woe,” telling the court his father was addicted to heroin and his mother struggled with alcohol. His younger sister died in 2022.

The court heard he had gone “off the rails” in his late teens and that his drug dealing was linked to debts, including those connected to his father. It was also said that many of his claims about wealth were exaggerated and amounted to “bravado”.

Sentencing, the judge said: “The seriousness of this offending means that only an immediate custodial sentence is appropriate.

“You played a significant role in drug dealing. What is clear is that you were dealing with a lot of cocaine.

“I have no doubt that some of what you did was due to pressure, but some of it was for your own gain.”

The judge added that despite the defendant’s claims of wealth, “you haven’t got hardly anything left”.

For the supply of cocaine, he was sentenced to six years in prison, with a concurrent sentence of 30 months for supplying cannabis.

He will serve at least half the sentence in custody before being eligible for release.

A victim surcharge of £228 was also imposed.

 

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Community

Loose horse sparks police response in Pembroke

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Animal seen galloping through residential streets and towards main road

POLICE are reportedly tracking a loose horse which strayed into a residential area of Pembroke.

The animal was first spotted in Gatehouse View before making its way onto a nearby main road.

A post on the Pembroke and Pembroke Dock Citizens’ Forum said the horse had left Gatehouse View and was seen heading towards the road by Pembroke Leisure Centre.

The resident wrote: “Anyone recognise it? Police following it.”

The horse was later reported to be galloping down Buttermilk Lane in the direction of Martha’s.

Stray horses are not uncommon in the area. In January, several animals were reported loose around Pembroke and along the A477, particularly near Buttermilk Close and the Cleddau Bridge.

Those incidents created a hazard for motorists, prompting Pembrokeshire County Council to step in and return the animals. Drivers were advised to take extra care and avoid startling them.

 

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international news

Britain exposed: UK has no real shield against long-range Iranian missile threat

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Reliance on US interceptors leaves gaps as Iran’s reach grows

BRITAIN would struggle to defend itself against a long-range ballistic missile attack and would instead rely heavily on American systems based in Eastern Europe and at sea — with no guarantee of success.

That is the stark reality emerging after Iran’s attempted strike on a UK–US base at Diego Garcia on Saturday (March 21), a move that caught many world leaders off guard and marked a significant escalation in capability.

Defence analysts say that its possible for Iran to hit targets of up to 4000 miles away

Concerns are further heightened by Iran’s development of larger space launch vehicles, including the Simorgh, Zuljanah, Ghaem-100 and Qased systems, which on paper demonstrate ranges of between 2,200 km and up to 6,000 km, with payload capacities of up to 1,000 kg. While these rockets are officially designed to place satellites into orbit rather than deliver warheads, they use the same multi-stage technology and propulsion systems found in long-range ballistic missiles. Defence analysts have long warned that such programmes provide a clear pathway to intercontinental strike capability, raising the prospect that parts of Europe — and potentially even the UK — could fall within reach if these technologies are adapted for military use.

No UK shield over Britain

The UK has no dedicated system to shoot down long-range ballistic missiles over its own territory.

While RAF Fylingdales provides early warning and tracking, it cannot intercept incoming threats. Britain’s air defence network — including RAF jets and ground systems — is designed for aircraft, drones and cruise missiles, not high-speed ballistic weapons.

In simple terms, if a missile were heading toward a target such as Milford Haven’s energy facilities, there is no British-operated system that could reliably stop it at the last moment.

America would have to act

Instead, any interception attempt would fall to the United States.

Key assets include:

  • Aegis Ashore missile defence bases in Romania and Poland
  • US Navy warships equipped with SM-3 interceptors
  • Wider NATO tracking and coordination systems

These systems are capable of striking a missile in space during its midcourse phase, long before it reaches the UK.

But there is a crucial limitation: they can only engage if the missile passes within range of those systems.

If the trajectory falls outside that envelope — or if no US ship is positioned correctly — there may be no interception at all.

A probability, not protection

Even when an intercept is attempted, success is far from certain.

Testing data for the SM-3 system suggests success rates of roughly 50 to 80 per cent per engagement, depending on conditions. In practice, multiple interceptors are often fired at a single target to improve the odds.

That still leaves a significant margin for failure.

In a real-world scenario involving countermeasures, technical faults or multiple missiles, the chances of at least one getting through rise sharply.

Gaps in coverage

The NATO missile defence network is not a continuous shield.

It is a patchwork of coverage zones tied to specific systems:

  • Romania and Poland provide fixed land-based interception capability
  • US warships offer flexible but limited coverage depending on deployment

There is no permanent protective umbrella over the UK itself.

If a missile does not pass through one of those defended zones, Britain would effectively be relying on luck and geometry.

Deterrence, not defence

Ultimately, the UK’s primary protection is not interception — it is deterrence.

Any successful strike on British soil would almost certainly trigger a major NATO response, making such an attack extraordinarily risky for any adversary.

But deterrence does not equal defence.

A growing concern

Iran’s attempted long-range strike on Diego Garcia has shifted the debate sharply.

The use of a missile capable of travelling thousands of kilometres surprised many Western leaders, who had not expected Tehran to demonstrate that level of reach in the current crisis. Although one missile failed and another was intercepted, the incident has raised fresh questions about how far Iran’s capabilities have advanced.

For years, the idea of a missile threat to Europe — let alone Britain — was largely theoretical. Now, defence analysts are treating it as a credible future risk, even if capability remains limited today.

The bottom line

The UK can detect a missile, track it, and coordinate a response — but when it comes to actually stopping it, the country would be dependent on American systems operating at distance, with no certainty of success.

If a missile ever did get through, there would be little standing between it and its target.

And that is the uncomfortable truth behind the headlines.

 

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