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Mortgages: Government Assistance

Volume 495: debated on Wednesday 1 July 2009

To ask the Secretary of State for Communities and Local Government how many applications for Homeowners Mortgage Support have been granted to residents of (a) Tamworth and (b) Staffordshire. (282432)

The aim of Homeowners Mortgage Support is to prevent repossessions, where households suffer a temporary income shock. After taking money advice, homeowners apply to their lenders to join the scheme, which allows them to defer up to 70 per cent. of the interest due. The Government have published an impact assessment, which estimates how many borrowers, at UK level, could be eligible. Official figures on the number of households entering the scheme will be published later this year.

In the current economic conditions, we have acted rapidly to put in place help and support for households struggling with their mortgage at every stage: from free debt advice when problems start, to free support for cases that reach court. Advice is available to all households struggling with their mortgage, with targeted schemes for those in most need.

To ask the Secretary of State for Communities and Local Government what steps his Department is taking to assist households ineligible for the Mortgage Rescue Scheme to avoid repossession. (282760)

In the current economic conditions, we have acted rapidly to put in place help and support for households struggling with their mortgage at every stage: from free debt advice when problems start, to free support for cases that reach court.

The Mortgage Rescue Scheme is a targeted scheme aimed at helping the most vulnerable homeowners to avoid homelessness. Further targeted help is available through Support for Mortgage Interest or Homeowners Mortgage Support. Local authorities provide advice and information on the range of help available, and this information is also available from the DirectGov website.

To ask the Secretary of State for Communities and Local Government how many applications for Homeowners Mortgage Support have been granted to residents of (a) Merseyside and (b) Crosby constituency. (283172)

I refer the hon. Member to the answer I gave to my hon. Friend the Member for Tamworth (Mr. Jenkins) today (PQ 282432).