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”.
Climate
Chris Packham backs Carmarthen ‘nature crisis’ climate screening
BROADCASTER and environmental campaigner Chris Packham has backed a free public screening in Carmarthen aimed at encouraging local discussion about the climate and nature crisis.
The People’s Emergency Briefing will be shown at St Peters Civic Hall, Carmarthen, on Friday, May 22, at 7:00pm.
The screening will be followed by a facilitated community discussion involving residents, local leaders and invited decision-makers.
The event forms part of a UK-wide programme intended to help the public and policymakers better understand the risks posed by climate change and biodiversity loss.
The film follows the National Emergency Briefing held at Westminster Central Hall in November 2025, where more than 1,200 MPs, peers and leaders from business, culture, faith, sport and the media gathered to hear evidence from leading experts.
The briefing, introduced by Chris Packham CBE, examined the impact of climate and nature breakdown on food security, public health, infrastructure, the economy and national security.
It has since been adapted into a 50-minute public film, which launched nationally in April and is now being screened in communities across the UK.
Chris Packham said: “I’d encourage people everywhere to attend a screening of The People’s Emergency Briefing.
“It creates exactly the kind of honest local conversation we now urgently need, both about what these changes mean where we live, and about what we can do together to address them.”
Organisers say the Carmarthen event comes at a time of growing local concern over flooding on the rivers Towy and Gwili, as well as biodiversity loss linked to pollution incidents.
After the film, those attending will be invited to take part in a structured discussion about the issues raised and what they may mean locally.
Local MPs, councillors and other influential figures have also been invited.
Philip Hughes, one of the organisers, said: “This is about creating space for people to come together, look at the evidence, and begin a more open and informed conversation about what it means for our community.
“It is also about how we can support the bolder action now called for by the science, which will also do so much to improve lives, as the film explains.”
Tickets for the Carmarthen screening are free, but advance registration is encouraged.

News
Bishop’s report reveals major renewal challenge at St Davids Cathedral
Formal Visitation highlights financial, structural, leadership and spiritual pressures at one of Wales’ most important religious sites
ST DAVIDS CATHEDRAL is facing a period of major renewal after a formal Bishop’s Visitation identified financial, structural, leadership and spiritual challenges at one of Wales’ most important religious and historic landmarks.
The report, published by the Diocese of St Davids on Friday (May 1), marks a significant moment for the cathedral, which is both the mother church of the diocese and one of Wales’ most recognisable places of pilgrimage.
The Bishop of St Davids, the Right Reverend Dorrien Davies, said the Visitation had been carried out as a “pastoral and constructive act” intended to support the Dean, Chapter, staff and wider cathedral community.
But the wording of the report makes clear that the cathedral is facing serious and practical pressures, including the need to strengthen its finances, protect the fabric of the ancient building, improve leadership structures, and renew its mission.
The Bishop said the purpose of the Visitation was to “direct and encourage ministry” and to enable a “faithful, practical response to the very real needs of the Cathedral — financial, structural, missional, and spiritual.”

Executive committee created
One of the most significant developments is the creation of a new Executive Committee, which has already been put in place following the Visitation process.
The Bishop said this was intended to support leadership, improve focus, and maintain momentum in dealing with urgent priorities.
He said the move showed “a willingness to engage seriously with the issues raised and to respond in a practical and timely way.”
The report adds that it is important this momentum is sustained, and that the recommendations are progressed with “clarity, purpose and due urgency.”
Although the Bishop stresses that the report was not written to criticise for its own sake, the language points to a cathedral at a crossroads, with governance and long-term planning now central to its future.
Ancient building
St Davids Cathedral is one of the most important Christian sites in Wales. It is a centre of worship, a focus for pilgrimage, a major visitor attraction, and a building of deep historical and spiritual significance.
The Bishop describes it as a “physical and visible sign of the Christian presence in this land — locally, nationally, and internationally.”
But ancient cathedrals are costly to maintain, and the report makes clear that the preservation of the building is now a major concern.
The Bishop refers to a detailed presentation by architect Andrew Faulkner and archaeologist Ross Cook, setting out a long-term vision for repair and preservation of the cathedral fabric.
He described that presentation as “both inspiring and reassuring”, saying it showed that careful and hopeful planning for the future was already underway.
The reference to fabric repairs is likely to raise questions about the scale of work needed, the likely cost, and whether further fundraising will be required.

Wider church pressures
The Visitation also sits within the wider context of the Diocese of St Davids’ “Pruning for Growth” strategy.
The Bishop said the cathedral, despite its historic status and national importance, had rightly been invited to undergo the same prayerful scrutiny as every other part of the diocese.
He said such scrutiny was “not a sign of failure, but of care and hope for the future.”
That wording suggests the cathedral is not being treated as exempt from wider pressures facing the Church in Wales, including falling attendance, financial strain, ageing buildings and the need to rethink ministry for the future.
Praise for staff
The report also contains strong praise for cathedral staff and departments.

The Bishop singled out Chris Crooks, the Dean’s Verger, and the vergers’ team, describing their work as “exemplary” and praising their role in worship, safety, and the care of the building.
He also praised the cathedral’s music, led by Simon Pearce and Laurence John, describing it as “one of its most powerful forms of proclamation.”
The Education and Pilgrimage department was also recognised, with particular thanks given to Janet Ingram for her work at Ty’r Pererin and her contribution to education at the cathedral as she enters retirement.
The Bishop also thanked librarian Mari James, the Friends of St Davids Cathedral, and advisers Arwel Davies and Medwin Hughes for their contributions.

Dean backed
The Bishop said he was especially grateful to the Dean for her cooperation throughout the process.
He said he wished to affirm her continuing leadership and her commitment to guiding the life and mission of the cathedral.
He added that he was confident in her resolve to lead with “openness, collaboration and faithful service.”
However, the creation of new leadership structures and the call for greater urgency suggest that the cathedral is now entering a period of closer oversight and reform.
The Bishop said the Visitation should be seen as an invitation to renewal, deeper collaboration and faithful courage.
He said: “Failure to recognise the positive developments emerging from this Visitation — or to read between the lines the appreciation of what is already being undertaken — would be to misunderstand why this Visitation was called.”
The Herald has asked the Diocese of St Davids whether the full financial position of the cathedral will be made public, what repair work has been identified, and what specific recommendations will now be taken forward.
Crime
Police tip-off leads to driving ban for Milford motorist
A Pembrokeshire motorist has lost his licence after police received information that the 40-year-old male may have been driving under the influence of drugs.
This week Haverfordwest Magistrates court was told that at around 8.30pm on November 22 officers received a call informing them that Michael Miles was suspected of driving his Peugeot Bipper through Milford Haven after consuming drugs.
Miles was subsequently stopped on Marble Hall Road and when spoken to by the officers, he informed them that he was a drug user. A saliva sample tested positive for cocaine while further tests carried out at the police station showed that Miles had 760 mcg of the cocaine metabolite benzoylecgonine in his system, the legal limit being 50.
Miles, of Milford Road, Steynton, chose to be legally unrepresented in court and pleaded guilty to the drug-driving charge.
The probation service said he was very remorseful for the offence and has since had appointments with the Dyfed Drugs and Alcohol Service to help him deal with his drug usage. Miles was served with an interim driving disqualification however as a result of his previous non-payment of fines, his punitive sentencing was adjourned to Thursday, May 7.
“If you pay your outstanding fines before Thursday, you will be fined for this offence,” warned District Judge Mark Layton. “But if you don’t pay, you will be given a custodial sentence.”
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