Welfare Reform Bill

My Lords, I assure the noble Lord, Lord Foulkes, that I have spoken at the Royal Albert Hall, the Royal Festival Hall and in a field at Cardiff Castle, and I trust that your Lordships can hear me in Committee Room 4A. It is perhaps appropriate that with Amendment 35 I am in pole position in this vast group of amendments, for I am putting forward the case for people who reached the back of the grid only some 20 years ago and who had never been allowed near the track before then. I am of course talking about people with a learning disability. As your Lordships are aware, this Bill aims to introduce regulations laying out not only how housing benefit costs can be integrated into the universal credit but how mortgage costs would in future be covered in this context. The purpose of this amendment, tabled in my name, is to ensure that disabled people have opportunities to buy a property via the home ownership scheme for people with a long-term disability, otherwise known as HOLD. Until October 2010, disabled people were able to access the higher rate of support for mortgage interest, or SMI, which meant that some mortgage providers were willing to lend to people with a long-term disability under the HOLD scheme by providing very specialist mortgages. The Royal Mencap Society, of which I have the honour of being president, believes that, contrary to all expectations, more than 1,000 people with a learning disability have been enabled to buy their own homes by this route. There are many more who hope and are able to follow in their pioneering footsteps. However, the abolition of the higher rate for SMI has meant that these mortgages are no longer available. This route into housing for people with a learning disability has, in effect, been closed down. The purpose of the amendment is, effectively, to reinstate this route of home ownership for disabled people. It would also ensure that the Government’s support for care in the community continues to be a reality. Turning again to the analogy of motor racing, I am concerned that if we do not take appropriate action on this point now, people with a learning disability could be forced to take a prolonged pit stop, during which others will continue to lap them in the race to secure a decent and comfortable home. In this group I support Amendments 36, 38, 39, 79, 80, 81, 82, 83 and 84. I beg to move.