Politics
New building safety law could make flats unsellable, lenders warn
PROPOSED building safety laws risk “suppressing the appetite” of mortgage lenders to offer loans on flats, making properties effectively unsellable to most buyers, a committee has heard.
John Marr, from UK Finance – which represents the banking industry – expressed concerns about unintended consequences of the Welsh Government’s building safety bill.
The bill, which aims to create clear lines of legal responsibility for managing safety risks, would create three categories of building with different restrictions for each:
- category one: highest risk, at least 18 metres or seven storeys
- category two: medium risk, 11m to 18m or five or six storeys
- category three: lower risk, less than 11m and fewer than five storeys
Warning the bill could curb the appetite of mortgage lenders, Mr Marr said: “This could be so, particularly if the proposed obligations/duties in relation to category three buildings mean no flat owner is willing to take on these responsibilities.
“This could result in a lack of management/maintenance for such buildings.”
Mr Marr added that additional legal and cost burdens could “accelerate further flight” from the private-rented sector in Wales, limiting the available supply of homes.
Under the bill – which was brought forward to ensure the 2017 Grenfell Tower tragedy, in which 72 people died, can never happen again – flat owners could become the legally responsible “accountable person” for a building’s safety.
UK Finance warned owners may lack the “skills, resources or willingness” to take on such a role, resulting in critical safety works being delayed or neglected.
In written evidence to the Senedd’s housing committee, which is scrutinising the bill, Mr Marr wrote: “If a repossession takes place, lenders would not expect then to be responsible for funding outstanding repairs potentially, to the further financial detriment of the former owner.
“Lenders would also need to understand the affordability consequences of obligations on borrowers… some of which might fall to individuals rather than collectively.
“The overall effect of the proposals particularly for category three buildings could impact lender appetite to lend on such properties.”
Mr Marr said the broad definition of “accountable person” raises concerns about exposing lenders to duties and liabilities despite their limited operational control over the property.
Concerns about the bill’s real-world impact were echoed by councils and fire services, which warned of demands on an “already overstretched” workforce.
The Welsh Local Government Association (WLGA), the national voice of Wales’ 22 councils, described plans to designate councils as building safety authorities as unrealistic.
While supportive of the bill’s overarching aims, the WLGA pointed to funding pressures, workforce capacity challenges and limited technical expertise.
The umbrella organisation told Senedd Members: “Local authorities will struggle to fulfil these new responsibilities effectively, potentially undermining the bill’s objectives.”
Warning of implementation failure, the WLGA said financial estimates that accompanied the bill significantly underestimate the costs and demands on councils.
Fire services similarly warned of the financial impact – cautioning that without funding, the new legal duties will force them to divert resources away from existing safety work.
In its written evidence, the WLGA said: “Introducing new responsibilities without adequate funding is short-sighted, especially given the financial pressures facing local authorities.
“With England pursuing full cost recovery, it is questionable why Wales would opt for a less robust or cheaper model – particularly given the high stakes involved in building safety.”
In its evidence, an all-Wales housing expert panel depicted plans for 22 building safety authorities as unworkable – particularly in light of a “massive skills gap” – advocating a regional model based on the three fire service areas.
The Senedd’s housing committee will take oral evidence on the bill from representatives of councils, fire and rescue services, and UK Finance during its meeting on October 1.
Business
Pembroke South Quay boat shed expansion plans submitted
A PADDLEBOARDING and canoeing company’s call for an extension to a boat shed at Pembroke’s South Quay, below its historic castle, has been submitted to county planners.
In an application to Pembrokeshire County Council, G Booth of Paddle West CIC, through agent James Dwyer Associates, seeks permission for an extension to the stone-built boathouse, adjacent to the cliff on South Quay fronting the Mill Pond, Pembroke.
A supporting statement says: “It is intended to erect a single storey ‘lean-to’ building, or ‘shed’ for the storage of boats, such as canoes and kayaks, and related equipment, on a vacant space adjacent to the existing stone-built boathouse.”
It adds: “The boathouse and the intended adjacent boat storage shed is located, as is to be expected, in close proximity to water, the Mill Pond. The Mill Pond is the main area of activity for Paddle West, a Community Interest Company, providing boating activities, kayaking, canoeing and paddle boarding, frequently for young people and families.”
It goes on to say: “It is intended that the structure would be lightweight, erected on the exiting hard standing. The ‘shed’ would be used for the storage of boats and related equipment.”
With regard to the historic setting, it adds: “Although the stone-built boathouse appears not to be listed, it is recognised that the walls above are listed and together they are a piece.
“Accordingly, through form and external materials proposed, timber cladding and profile sheet roofing, the aim is to ensure that the structure would be subservient and muted and not detract or compete with the visual aesthetic of the boathouse or historic walls. In effect the addition would blend into the background.”
The application will be considered by county planners at a later date.
The boathouse is sited near to the new Henry Tudor Centre in South Quay, which is due to open in Spring 2027.
The centre, expected to receive around 30,000 visitors a year, will tell the story of Henry Tudor, son of Pembroke, his Welsh ancestry and his impact on our national story, Welsh culture and our wider British heritage.
The restored derelict South Quay buildings will also house a new library and community café, and a healthcare, social services and supported employment facility in the adjoining premises.
Community
First person of colour to be elected mayor of Haverfordwest
A PEMBROKESHIRE town council will soon have its first-ever person of colour as mayor, and its youngest mayor in a century.
Haverfordwest Town Councillor Randell Iziah Thomas-Turner, aged 37, is to become mayor this May.
Cllr Turner said: “Tonight [March 19], I had the honour of accepting the nomination as mayor-elect — a moment that will forever stay with me.
“In doing so, I am humbled to be making history as the first mayor of colour in Haverfordwest and the youngest mayor in a century. This is not just my achievement, it belongs to every person who believes in progress, representation, and the power of community. This is a new chapter for our town — one built on unity, opportunity, and hope.
“My mayor-making will take place this May, and I cannot wait to officially step into the role and begin serving the people of Haverfordwest with pride, passion, and purpose. Haverfordwest is the best in the West — and together, we are just getting started.
“Diversity is not a challenge to overcome, but a strength to embrace. When people from different backgrounds, experiences, and perspectives come together with respect and openness, we unlock new ideas, stronger solutions, and deeper understanding.”
It’s a double celebration for the Thomas-Turner family.
Wife, and fellow town councillor, Dani, has been voted as sheriff of the town for the second-year-running, the first woman to serve as sheriff for two consecutive years.
“The coming civic year will be one to watch as my husband Councillor Randell Izaiah Thomas-Turner is becoming the first mayor of colour in Haverfordwest’s history,” said Cllr Dani Thomas-Turner, adding: “It’s going to be a year of history and memory making for sure.”
Business
Pembrokeshire hospitality rates relief scheme backed
A WELSH Government-funded scheme to provide rates relief for hospitality businesses has been backed by senior Pembrokeshire councillors.
A report for members of Pembrokeshire County Council’s Cabinet at their March meeting said: “Welsh Government has introduced the Food and Drink Hospitality Rates Relief, this relief is aimed at eligible businesses in Wales in the food and drink hospitality sector for example, pubs, restaurants, cafes, bars and live music venues.
“The aim of the relief is to support eligible businesses to manage continued cost pressures. The relief will apply to all eligible occupied properties by offering a discount of 15 per cent on non-domestic rate bills for the period April 1 to March 31, 2027. The relief is capped at £110,000 per business across Wales.
“As this is a temporary measure, Welsh Government is providing the relief by reimbursing local authorities that use their discretionary relief powers under Section 47 of the Local Government Finance Act 1988.”
It concluded: “The food and drink hospitality rates relief 2026-27 requires the local authority to adopt a discretionary scheme [as outlined] and in accordance with the criteria and conditions specified in the guidance issued by Welsh Government.
“It is proposed that Cabinet resolve to adopt [the scheme] which can be applied to administer the relief. Welsh Government will reimburse local authorities for the relief provided in line with their guidance via a grant under section 31 of the Local Government Act 2003.”
Members backed the recommendation.
All eligible businesses must apply for this relief by the March 31, 2027, and an application form will be available on the council’s website from the April 1.
The maximum cash value of the rates relief allowed, across all properties in Wales occupied by the same business should not exceed £110,000. Businesses claiming the relief must declare that the amount being claimed does not exceed those limits.
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