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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

Man charged with attempted murder after Carmarthen park incident

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57-year-old due in court following alleged knife and stalking offences

A MAN has been charged with attempted murder following a serious incident in Carmarthen town centre last week.

Dyfed-Powys Police confirmed that James McKenna, aged 57, from Carmarthen, has been charged with attempted murder, possession of a bladed article in a public place, and stalking.

The charges relate to an incident in Carmarthen Park on Thursday (Jan 29), which prompted a significant emergency services response and caused concern among residents.

Police have not yet released full details of the circumstances, but officers were seen in and around the park area for several hours following the incident while enquiries were carried out.

McKenna is due to appear before Llanelli Magistrates Court on Thursday (Feb 5).

The Herald understands the case involves allegations of both violence and targeted behaviour towards an individual, with stalking listed among the charges.

Public concern

Carmarthen Park is a popular and busy public space used daily by families, dog walkers and joggers, and incidents of this severity are rare.

The news has prompted concern locally, particularly as the alleged offences include possession of a knife in a public place.

Residents have previously raised questions about safety in parks and open spaces across west Wales, especially during darker winter evenings.

Court proceedings

At this stage, the charges remain allegations and the case will now proceed through the courts.

Magistrates will decide whether the case is sent to Crown Court due to the seriousness of the attempted murder charge.

Further details are expected to emerge during Thursday’s hearing.

The Herald will be attending court and will provide updates as they become available.

 

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Crime

Sex offender jailed after living off grid in Pembrokeshire and refusing to register

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Man walked into police station after months avoiding authorities

A CONVICTED sex offender who told police he intended to live “off grid” rather than comply with legal monitoring rules has been jailed after handing himself in at a Pembrokeshire police station.

Christopher Spelman, aged 66, of no fixed address, appeared for sentence at Swansea Crown Court after admitting breaching the notification requirements of the sex offenders register.

The court heard Spelman was released from prison in Dorset on July 4 last year but immediately refused to provide police with an address, despite being legally required to do so within three days.

Instead, he indicated he planned to buy a tent and live outdoors.

Prosecutor Brian Simpson said officers subsequently launched a nationwide search when Spelman failed to make contact with police. Public appeals were issued and his case featured on the television programme Crimewatch.

Detectives believed he had been travelling around the UK using public transport and staying at campsites. He was known to have links to several areas including Merseyside, Manchester, Devon, Cornwall and Hampshire.

His whereabouts remained unknown until January 3 this year, when he walked into Haverfordwest police station and was arrested. It is unclear how long he had been in Pembrokeshire.

Spelman previously served seven years in prison after being convicted in 2014 of 12 counts of sexually assaulting a girl under the age of 14. He was placed on the sex offenders register for life.

The court heard this was not the first time he had failed to comply with the rules. After an earlier release in 2016, he again failed to register his address and avoided police for around five years before being caught.

He has 11 previous convictions for 29 offences.

Defence barrister Andrew Evans described the case as unusual and said his client had long disputed his original conviction and had expressed a wish to live “outside society”.

However, he said Spelman had gradually accepted that he remained subject to court orders and now wanted more stable accommodation and a chance to rebuild his life. The defendant asked the court to impose a custodial sentence so arrangements could be made for his future release.

Judge Geraint Walters noted there were signs Spelman wished to change but warned that any further breaches would result in longer prison terms.

With credit for his guilty plea, Spelman was sentenced to 10 months in prison. He will serve up to half in custody before being released on licence.

 

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Crime

Former Wales rugby star admits Christmas Day drink-driving offence

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Ex-Ospreys captain was almost twice over limit in Pembroke town centre

Former Wales back row Jonathan Thomas has admitted driving through Pembroke town centre on Christmas Day when he was almost twice over the drink-drive limit.

This week Haverfordwest magistrates heard that Thomas, 43, was stopped by officers as he drove his Mercedes CLA 220 along The Green, Pembroke, at around 5pm on Christmas Day.

“The officers were very concerned at the manner of his driving, as the car was being driven erratically and was swerving to the other side of the road,” said Crown Prosecutor Sian Vaughan.

“When Jonathan Thomas got out of the car, the officers could see that he was having difficulty standing and was unsteady on his feet.”

Subsequent breathalyser tests showed Thomas had 62 mcg of alcohol in his system, the legal limit being 35.

Thomas, who has no previous convictions, pleaded guilty to the drink-drive charge and was represented in court by solicitor Jess Hill.

“He has family in the area and had travelled to spend time with them on Christmas Day,” she told the magistrates. “He’s very remorseful for his actions and hugely regrets his decision that day.”

Jess Hill concluded by saying that Thomas is currently “between jobs and living off his savings”.

Thomas, who gave his address as Main Road, Bredon, was disqualified from driving for a total of 18 months.

“The length of your disqualification reflects the fact that you were more than a little bit over the limit,” commented the presiding magistrates when imposing sentence.

He was fined £120 and ordered to pay £85 costs and a £48 court surcharge.

The former Wales back row left his role as Swansea RFC head coach at the beginning of December 2025 as a result of ongoing health concerns. He was forced to retire from playing in 2015 on medical advice after being diagnosed with epilepsy and is one of the 390 former rugby union players currently taking part in a concussion lawsuit against the sport’s authorities.

“Long-standing issues linked to the head trauma have caused me some concern recently and it has been impossible for me to give the role everything it needs,” he said in a previous interview with the BBC.

His rugby career started out with Pembroke RFC juniors before moving to Swansea RFC, which he captained when he was 19. He then joined the Ospreys where, over a ten-year period, he won four league titles and an Anglo-Welsh Cup. He was the youngest player to captain the Ospreys and, at the time of leaving, was the joint highest appearance holder, together with Andrew Bishop, on 188 appearances.

His international career saw him play for Wales at Under-16, Youth, Under-19, Under-21 and Sevens levels. He made his senior international debut against Australia in 2003, featured at the 2007 Rugby World Cup and was part of two Six Nations Grand Slam-winning sides in 2005 and 2008. Between 2004 and 2011, Thomas was included in every Wales Six Nations squad. In his appearances for Wales, he scored seven tries.

 

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