- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Submitting member has a registered interest.
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Date lodged: Wednesday, 10 August 2022
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Current Status:
Answered by Shona Robison on 7 September 2022
To ask the Scottish Government how many staff have been (a) trained and (b) allocated to deal with applications for the Home
Owners' Support Fund, in each of the last six years.
Answer
The following table shows how many staff have been allocated to the Home Owners Support Fund in recent years. Staff are fully trained and highly experienced and levels have been sufficient to meet demand for the Fund.
Financial Year | Number of HOSF Staff |
2015-16 | * |
2016-17 | 6 |
2017-18 | 5 |
2018-19 | 3 |
2019-20 | 3 |
2021-22 to present day | 4 |
* No figure for this year
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Submitting member has a registered interest.
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Date lodged: Thursday, 11 August 2022
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Current Status:
Answered by Shona Robison on 7 September 2022
To ask the Scottish Government, regarding the Home Owners’ Support Fund, what (a) written or electronic (i) promotional
materials (ii) briefings and (iii) training and (b) promotional meetings it has
provided or offered to (A) money advisers acting on behalf of applicants (B)
social landlords who are part of the Mortgage to Rent scheme (C) trustees
acting on behalf of applicants (D) UK lenders and (E) others, in the last 12
months.
Answer
Guidance documents for each participant are available at HOSF officials regularly provide support and information to applicants, Money Advisers, Social Landlords, Trustees and Lenders on individual applications.
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Submitting member has a registered interest.
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Date lodged: Wednesday, 10 August 2022
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Current Status:
Answered by Shona Robison on 7 September 2022
To ask the Scottish Government, regarding the Home Owners’ Support Fund, what the average processing time has been for (a) successful and (b) unsuccessful applications in each of the last six years, and how many applications in each of the last six years took (i) less than one year (ii) one to two years (iii) two to three years and (iv) more than three years to process.
Answer
The Scottish Government does not collect data in relation to the turnaround of unsuccessful applications. The following table shows the average processing time in months for successful applications during each of the last six years.
Year | Average Processing Time (Months) |
2016-17 | 5 |
2017-18 | 6 |
2018-19 | 9 |
2019-20 | 11 |
2020-21 | 15 |
2021-22 | 20 |
The Home Owners Support Fund is a voluntary scheme and the full co-operation and participation of applicants, social landlords, lenders, solicitors and surveyors is necessary for the smooth and efficient delivery of the scheme. The pandemic made it more difficult to progress cases, particularly as social landlords were unable to visit properties for repairs assessments.
The following table shows the number of successful applications and the timescales, during each of the last six years.
| | Number of Successful Applications Processed in |
Year | < 1 Year | 1-2 years | 2-3 | > 3 years |
2016-17 | 65 | 0 | 0 | 0 |
2017-18 | 39 | 0 | 0 | 0 |
2018-19 | 29 | 3 | 0 | 0 |
2019-20 | 21 | 7 | 0 | 0 |
2020-21 | 1 | 7 | 0 | 0 |
2021-22 | 0 | 6 | 3 | 0 |
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Submitting member has a registered interest.
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Date lodged: Wednesday, 10 August 2022
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Current Status:
Answered by Shona Robison on 7 September 2022
To ask the Scottish Government how many (a) enquiries about and (b) applications for the Home Owners' Support Fund it has received in each of the last six years, broken down by the (i) Mortgage to Rent and (ii) Mortgage to Shared Equity schemes, and, of those applications that were received, how many were (A) successful and (B) ineligible.
Answer
The Scottish Government does not collect information on enquiries relating to the Home Owners Support Fund (HOSF). The Mortgage to Rent (MTR) and Mortgage to Shared Equity (MTSE) schemes are delivered as part of the HOSF programme. Each application is assessed on a case by case basis to determine which scheme best meets the applicant’s needs. During the last six years there have been no cases eligible for MTSE, due to the circumstances of applicants not meeting the eligibility criteria, in particular applicants with complex debts.
The following table shows the number of applications received during each of the last six years, the number of applications successfully completed and the number of cases closed due to ineligibility. Mortgage to Rent is a voluntary scheme and participation from applicants, lenders, trustees and social landlords is required for a case to succeed.
Mortgage to Rent Applications* |
Year | Received | Successful | Ineligible |
2016-17 | 113 | 65 | 20 |
2017-18 | 91 | 39 | 17 |
2018-19 | 106 | 32 | 30 |
2019-20 | 79 | 28 | 16 |
2020-21 | 20 | 8 | 7 |
2021-22 | 36 | 9 | 10 |
*Figures for received, successful and ineligible do not necessarily refer to the same cases.
We have received significantly fewer applications during the last two financial years. Regulations were introduced by the Scottish Government that protected homeowners in financial difficulty from repossession at the height of the pandemic. n addition, the Financial Conduct Authority (FCA) and mortgage lenders also put in place temporary measures to assist homeowners facing difficulties in managing their mortgage repayments. From March 2020 to March 2021, mortgage lenders offered payment deferrals of up to six months and whilst those temporary measures have now expired, the FCA continues to work with lenders to help improve and strengthen arrears management and mortgage lenders must demonstrate that they have done everything required to make repossession a matter of last resort.
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Submitting member has a registered interest.
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Date lodged: Thursday, 11 August 2022
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Current Status:
Answered by Shona Robison on 7 September 2022
To ask the Scottish Government when it last updated the HOSFGN/002: Property Thresholds Guidance for the Home Owners' Support Fund.
Answer
HOSFGN/002 was published in April 2017. The Home Owners Support Fund property threshold guidance is being considered as part of the current review and will be updated if required.
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Submitting member has a registered interest.
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Date lodged: Monday, 15 August 2022
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Current Status:
Answered by Shona Robison on 7 September 2022
To ask the Scottish Government whether it has published average apartment rental charges, used to calculate purchase subsidy grants under the Home Owners' Support Fund, since 2017 and, if this is not the case, what the reasons are for its position on the matter.
Answer
The average apartment rental charges have not been routinely published up to this point as we have considered this an operational matter. Figures are updated each year in line with CPI inflation figures and grant calculations are shared with social landlords before the purchase of a property is agreed. Going forward, the publication of annual rental charges will be looked at as part of the wider scheme review.
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Submitting member has a registered interest.
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Date lodged: Monday, 15 August 2022
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Current Status:
Answered by Shona Robison on 7 September 2022
To ask the Scottish Government what information it has on how many households who have applied to the Home Owners' Support Fund since it started have (a) been protected from and (b) subsequently experienced homelessness.
Answer
I refer the member to the answer to question S6W-10243 on 7 September 2022 which shows the number of successful applications to the Home Owners Support Fund in the last 6 years. Where a social landlord acquires a property through the scheme, the homeowner will remain in their home on Scottish Secure Tenancy terms. The Scottish Government does not collect data on homeowners’ circumstances after their application has successfully concluded.
All answers to written Parliamentary Questions are available on the Parliament's website, the search facility for which can be found at /chamber-and-committees/written-questions-and-answers
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Submitting member has a registered interest.
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Date lodged: Monday, 15 August 2022
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Current Status:
Answered by Shona Robison on 7 September 2022
To ask the Scottish Government whether the HOSFGN/002: Property Thresholds Guidance has been updated for 2022-23 and, if this is not the case, what it estimates (a) the updated property thresholds for the Home Owners’ Support Fund and (b) the number of households with outstanding mortgages with properties under the valuation thresholds would be, had the guidance been updated for 2022-23, broken down by local authority.
Answer
I refer the member to the answer to question S6W-10262 on 7 September 2022.
The Scottish Government does not hold the data requested. Property thresholds are being considered as part of the review.
All answers to written Parliamentary Questions are available on the Parliament's website, the search facility for which can be found at /chamber-and-committees/written-questions-and-answers
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Submitting member has a registered interest.
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Date lodged: Thursday, 18 August 2022
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Current Status:
Answered by Shona Robison on 7 September 2022
To ask the Scottish Government how many Home Owners' Support Fund applications it has processed on an exceptional basis where (a) an eviction notice has been served and (b) a trustee intends to force the sale of the property, broken down by each year of the fund's operation.
Answer
My officials give priority to cases with repossession orders and where a trustee is forcing the sale of a property, the requirement for secured loan payments to be 3 months in arrears will be waived. The Scottish Government does not hold data relating to the number of these types of applications that have been processed.
- Asked by: Mark Griffin, MSP for Central Scotland, Scottish Labour
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Date lodged: Friday, 05 August 2022
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Current Status:
Answered by Shona Robison on 6 September 2022
To ask the Scottish Government, further to the answer to question S6W-09248 by Shona Robison on 20 July 2022, whether it will prioritise the assessment of the 29 buildings in the event of a limited supply of surveyors and fire engineer contractors, and if so, what the process will be for carrying out any such prioritisation.
Answer
We are aware there may be constraints in the market place and we are working closely with a number of Scottish firms and with industry bodies and forums to monitor market availability, therefore we are able to prioritise Single Building Assessments.