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”.
Community
Craig Flannery appointed as new Chief Fire Officer
MID AND WEST WALES FIRE SERVICE LEADERSHIP CHANGE
MID and West Wales Fire and Rescue Service has announced the appointment of Craig Flannery as its new Chief Fire Officer, with effect from Monday, December 15, 2025.
Mr Flannery has served with the Service for more than twenty years, progressing through a wide range of middle management and senior leadership roles across both operational and non-operational departments.
During his career, he has been closely involved in strengthening operational delivery, risk management and organisational development. His work has included leading innovation in learning and development, overseeing the Service’s On-Call Improvement Programme, and driving investment in key enabling functions such as workforce development and information and communication technology.

The appointment followed a rigorous, multi-stage recruitment process led by Mid and West Wales Fire and Rescue Authority. Candidates were assessed through structured interviews, strategic leadership exercises and scenario-based assessments designed to test operational judgement, organisational vision and the ability to lead a modern fire and rescue service.
External professional assessors were also engaged to provide independent scrutiny, ensuring the process met high standards of fairness, transparency and challenge.
Mr Flannery emerged as the strongest candidate, demonstrating clear strategic leadership capability, detailed organisational knowledge and a strong commitment to community safety and service improvement.
Councillor John Davies, Chair of Mid and West Wales Fire and Rescue Authority, said: “Craig brings a deep understanding of our Service and a clear vision for its future. His appointment will strengthen our ability to innovate, support our workforce and deliver high-quality protection for the communities we serve.
“As we navigate a rapidly changing landscape, Craig’s experience in driving innovation and organisational development will be invaluable in helping us adapt and transform for the future.”
Commenting on his appointment, Mr Flannery said: “It is a privilege to lead this outstanding Service. I am committed to supporting our people, strengthening partnerships and building on the strong foundations already in place.
“As the challenges facing fire and rescue services continue to evolve, we must modernise and innovate, ensuring we have the skills, technology and capability needed to meet the needs of our communities. I look forward to working with colleagues and partners across Mid and West Wales to deliver a resilient, progressive Service that keeps people safe and places our staff at the heart of everything we do.”
Health
Resident doctors in Wales vote to accept new contract
RESIDENT doctors across Wales have voted to accept a new contract, with 83% of those who took part in a referendum backing the agreement, according to BMA Cymru Wales.
The contract includes a four per cent additional investment in the resident doctor workforce and introduces a range of reforms aimed at improving training conditions, wellbeing and long-term workforce sustainability within NHS Wales. The BMA says the deal also supports progress towards pay restoration, which remains a central issue for doctors.
Key changes include new safeguards to limit the most fatiguing working patterns, measures intended to address medical unemployment and career progression concerns, and reforms to study budgets and study leave to improve access to training opportunities.
Negotiations between the BMA’s Welsh Resident Doctors Committee, NHS Wales Employers and the Welsh Government concluded earlier this year. Following a consultation period, a referendum of resident doctors and final-year medical students in Wales was held, resulting in a clear majority in favour of the proposals.
Welsh Resident Doctors Committee chair Dr Oba Babs Osibodu said the agreement marked a significant step forward for doctors working in Wales.
He said: “We’re proud to have negotiated this contract, which offers our colleagues and the future generation of doctors safer terms of service, fairer pay, and better prospects so that they can grow and develop their careers in Wales.
“This contract will help to retain the doctors already in training, and also attract more doctors to work in Wales, where they can offer their expertise and benefit patients.”
Dr Osibodu added that the BMA remains committed to achieving full pay restoration and acknowledged that challenges remain for some doctors.
“Whilst this contract sets the foundations for a brighter future for resident doctors in Wales, we recognise that there are still doctors who are struggling to develop their careers and secure permanent work,” he said. “We need to work with the Welsh Government and NHS employers to address training bottlenecks and underemployment.”
The Welsh Government has previously said it recognises the pressures facing resident doctors and the importance of improving recruitment and retention across NHS Wales, while also highlighting the need to balance pay agreements with wider NHS funding pressures and patient demand.
The new contract is expected to be phased in from August 2026. It will initially apply to doctors in foundation programmes, those in specialty training with unbanded rotas, and new starters, before being rolled out to all resident doctors across Wales.
Crime
Swansea man jailed for online child sex offence dies in prison
A SWANSEA man who was jailed earlier this year for attempting to engage in sexual communication with a child has died while in custody.
Gareth Davies, aged 59, of the Maritime Quarter, was serving an 18-month prison sentence after being convicted in May of sending sexually explicit messages to what he believed was a 14-year-old girl. The account was in fact a decoy used as part of an online safeguarding operation.
The court heard that Davies began communicating with the decoy between November and December 2024 and persistently pursued the individual, later attempting to arrange a face-to-face meeting. He was arrested after being confronted by the decoy operators.
Davies had pleaded not guilty but was convicted following a trial. At the time of sentencing, police described the messages as extremely concerning and said his imprisonment was necessary to protect children.
It has now been confirmed that Davies died at HMP Parc on Wednesday (Nov 27) while serving his sentence.
The Prisons and Probation Ombudsman has launched an independent investigation into the death, which is standard procedure in all cases where someone dies in custody. No cause of death has been released at this stage.
A coroner will determine the circumstances in due course.
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