News
Fishguard: Chamber of Trade focus on micro-loans

Nicola Edwards, Finance Wales
FISHGUARD and Goodwick Chamber of Trade and Tourism’s recent meeting had a packed agenda, hearing from Nicola Edwards, Micro loans Fund Manager at Finance Wales.
Nicola, who joined the meeting to highlight potential funding options available from Finance Wales, manages a team of six staff based all over Wales making micro loans of between £1,000 and £50,000 to Welsh start-ups and small businesses.
Businesses can use micro loans from Finance Wales for a range of purposes, including to buy stock and new equipment, to fit out their existing or new premises, boost cash flow, recruit new staff or to unlock much-needed additional investment. They can also be used to buy a business.
“I was pleased to meet members of Fishguard and Goodwick Chamber of Trade and Tourism recently to explain the funding options open to them from Finance Wales. We also work closely with the Welsh Government’s Business Wales service to sign-post Welsh businesses to the support they need to help them grow.
“We’re backing a wider range of start-ups and small businesses than ever and in the last financial year, businesses in Wales’ retail, wholesale, hospitality and tourism sectors benefitted from over 40% of the micro loans Finance Wales made. We’re keen to talk to more ambitious businesses about how a micro loan from Finance Wales could help them achieve their growth plans,” Nicola explained.
The Chamber’s own project manager, Kate Lindley, reported on the work of Refreshing North Pembrokeshire to date. The project staff have been working with tourism businesses, community groups, festivals and events’ organisers and other local organisations on a variety of projects across north Pembrokeshire to develop and enhance the tourism offer and to extend the tourism season.
Kate reminded the meeting of the aims of the project and how events and businesses are supported. ”As part of the support the RNP will be holding a series of informative networking events across the north of the county in autumn, and I would like to encourage businesses to attend. Further details will be available shortly in local press,” said Kate.
Plans for a campaign on Radio Pembrokeshire to promote Fishguard and Goodwick to Pembrokeshire residents was supported, as there is so much vibrancy and community effort in the twin towns which deserves to be better known. This campaign will start on October 12. Anyone hearing the advertisement slots are asked to tell shopkeepers and others that they have heard about the campaign to attract new “invaders” of our towns.
The Welsh Government has agreed to pay for a coach drop off point in the town, which will enable us to promote the town as a destination to coach operators who have shunned us previously because there is no safe place to deliver their passengers. POINT have agreed to make bunting to decorate the streets next summer; a greening of the towns project is taking shape with the agreement already obtained from the Trunk Road Agency on many locations for planting and additional seats.
Crime
Banned for 40 months after driving with cocaine breakdown product in blood
A MILFORD HAVEN woman has been handed a lengthy driving ban after admitting driving with a controlled drug in her system more than ten times over the legal limit.
SENTENCED AT HAVERFORDWEST
Sally Allen, 43, of Wentworth Close, Hubberston, appeared before Haverfordwest Magistrates’ Court on Thursday (Dec 4) for sentencing, having pleaded guilty on November 25 to driving with a proportion of a specified controlled drug above the prescribed limit.
The court heard that Allen was stopped on August 25 on the Old Hakin Road at Tiers Cross while driving an Audi A3. Blood analysis showed 509µg/l of Benzoylecgonine, a breakdown product of cocaine. The legal limit is 50µg/l.
COMMUNITY ORDER AND REHABILITATION
Magistrates imposed a 40-month driving ban, backdated to her interim disqualification which began on November 25.
Allen was also handed a 12-month community order, requiring her to complete 10 days of rehabilitation activities as directed by the Probation Service.
She was fined £120, ordered to pay £85 prosecution costs and a £114 surcharge. Her financial penalties will be paid in £25 monthly instalments from January 1, 2026.
The bench—Mrs H Roberts, Mr M Shankland and Mrs J Morris—said her guilty plea had been taken into account when passing sentence.
Local Government
Sewage leak at Pembroke Commons prompts urgent clean-up works
Council pollution officers say they have no enforcement powers over Welsh Water infrastructure
SEWAGE contamination on the Commons in Pembroke has prompted an urgent response from pollution officers, after a leak was reported by a member of the public on Tuesday.
Pembrokeshire County Council’s Pollution Control Team confirmed they were alerted yesterday afternoon to sewage surrounding a manhole cover on the site. The Herald understands that officers immediately notified Welsh Water (DCWW) network technicians to investigate the incident “as a matter of urgency”.
County councillor Jonathan Grimes, who represents Pembroke St Mary South and Monkton, said the authority had been clear that it holds no enforcement powers over Welsh Water assets.
“Whilst we work constructively with Welsh Water, we have no authority to intervene on their apparatus or to carry out enforcement action against them for such pollution incidents,” the Pollution Control Team said in a statement shared with the councillor.
Urgent works underway
Council officers visited the site on Wednesday morning alongside contractors and Welsh Water technicians to assess clean-up options. According to the team, works will include cleaning the contaminated ground in and around the manhole cover and fencing off the affected area “until safe”.
Cllr Grimes said officers would return to the scene on Thursday to check on progress and ensure the area is properly secured.
Residents who notice any further issues have been urged to contact the Pollution Control Team directly.
Further updates are expected later this week.
Local Government
Pembrokeshire Council faces backlash over £3.5m housing ‘buying spree’
Critics say policy inflates numbers while new-build programme stalls
PEMBROKESHIRE COUNTY COUNCIL is under growing pressure over its multi-million-pound programme of buying back former council houses, with critics warning that the strategy gives the illusion of progress while long-promised new-builds remain stuck on the drawing board.
The latest criticism comes from Milford Haven councillor Mike Stoddart, who has accused the authority of “standing still” by funnelling Housing Revenue Account (HRA) cash into purchasing properties that were once part of the council’s own stock.
Stoddart said the council’s approach “doesn’t increase the housing stock – it merely moves people from the private sector into the public sector”.
He added: “It would be much better if the money was spent on building anew.”
A temporary fix that became permanent
The buy-back scheme began in 2017 when the council adopted a new inflation-linked rent regime that delivered sizeable HRA surpluses. At the time, officers described buying ex-council homes on the open market as a “stop-gap” measure until the new-build programme ramped up.
But that programme has repeatedly faltered. Major schemes in Johnston and Tiers Cross have been hit by cost overruns of around 66%. In Milford Haven, new flats on Charles Street are costing close to £300,000 each for a one- or two-bed unit, before adding land costs, architects’ fees and planning expenses.

Stoddart said the pattern amounted to a “disaster”, arguing that buying existing homes had become the authority’s default option. “It gives the impression of making progress while actually standing still,” he said.
Brownfield sites left idle
In Stoddart’s own ward, three former school sites have stood empty since 2018. Their redevelopment is not expected to begin until 2027 or 2028. Meanwhile, the council’s purchasing programme has accelerated.
A Cabinet report for late 2025 shows more than £3.5 million spent on acquisitions in just the first half of the year.
The most striking deal was a bulk purchase of five homes in Harcourt Close, Hook, for £1.851 million — almost £400,000 each. Stoddart said the developer would think “all his birthdays have come at once”, with the council avoiding estate agents’ fees, reducing legal costs and allowing the seller to immediately stop paying interest to the bank.
Thirteen high-value purchases
All properties were bought for over £100,000 and moved into the council’s HRA stock:
| Address | Location | Price | Completion |
|---|---|---|---|
| 32 Southdown Close | Pembroke | £115,000 | 29/07/2025 |
| 8 Hyfrydle | Letterston | £115,000 | 01/08/2025 |
| 6 Precelly Place | Milford Haven | £120,000 | 22/09/2025 |
| 50 Heywood Court | Tenby | £125,000 | 02/10/2025 |
| 33 Croft Avenue | Hakin, Milford Haven | £130,000 | 20/10/2025 |
| 7 Hyfrydle | Letterston | £135,000 | 05/09/2025 |
| 18 St Clements Park | Freystrop | £140,000 | 14/07/2025 |
| 55 College Park | Neyland | £140,000 | 28/10/2025 |
| 26 Baring Gould Way | Haverfordwest | £146,000 | 15/08/2025 |
| 25 Station Road | Letterston | £170,000 | 10/10/2025 |
| 16 Woodlands Crescent | Milford Haven | £283,000 | 31/10/2025 |
| 26 & 27 Harcourt Close | Hook | £744,000 | 22/10/2025 |
| 23, 24 & 25 Harcourt Close | Hook | £1,107,000 | 30/07/2025 |
All purchases were made from HRA reserves with no borrowing, a point the council highlights as prudent financial management.
Fears over market distortion
Stoddart also warned that the authority’s deep pockets may be pricing out young families by outbidding first-time buyers for entry-level homes. “If classical economic theory is to be believed, it’s forcing up the price,” he said.
House prices in Pembrokeshire have risen around 15% in the past year, according to recent ONS data. Local estate agents, speaking anonymously, told this newspaper that council intervention “definitely nudges prices upward” in hotspots like Hook, Neyland and Milford Haven.
Council defends strategy
A council spokesperson said the approach was necessary to deliver homes “immediately” amid chronic shortages.
“Acquiring existing properties allows us to respond quickly to housing need,” they said. “New-builds remain a priority, but delays in planning, construction and funding mean we must use all available tools to meet demand. All purchases represent value for money and are compliant with our HRA strategy.”
Housing charity Shelter Cymru took a different view, arguing that “recycling stock is not a substitute for expansion”. The charity says Pembrokeshire needs around 500 new affordable homes a year to meet demand.
‘Residents deserve homes, not headaches’
Social housing waiting lists in Pembrokeshire now exceed 2,000 applicants. With another Cabinet briefing due later this month, Stoddart says he will push for a fundamental rethink.
“It’s time to stop standing still,” he told this newspaper. “Our residents deserve homes, not headaches.”
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October 20, 2015 at 3:53 pm
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