First elected: 12th December 2019
Speeches made during Parliamentary debates are recorded in Hansard. For ease of browsing we have grouped debates into individual, departmental and legislative categories.
e-Petitions are administered by Parliament and allow members of the public to express support for a particular issue.
If an e-petition reaches 10,000 signatures the Government will issue a written response.
If an e-petition reaches 100,000 signatures the petition becomes eligible for a Parliamentary debate (usually Monday 4.30pm in Westminster Hall).
Decriminalise Abortion
Gov Responded - 23 Dec 2024 Debated on - 2 Jun 2025 View Bell Ribeiro-Addy's petition debate contributionsI am calling on the UK government to remove abortion from criminal law so that no pregnant person can be criminalised for procuring their own abortion.
Tighten the rules on political donations
Sign this petition Gov Responded - 26 Feb 2025 Debated on - 31 Mar 2025 View Bell Ribeiro-Addy's petition debate contributionsWe want the government to:
Remove loopholes that allow wealthy foreign individuals to make donations into UK political parties (e.g. by funnelling through UK registered companies).
Cap all donations to a reasonable amount.
Review limits on the fines that can be levied for breaking the rules
These initiatives were driven by Bell Ribeiro-Addy, and are more likely to reflect personal policy preferences.
MPs who are act as Ministers or Shadow Ministers are generally restricted from performing Commons initiatives other than Urgent Questions.
Bell Ribeiro-Addy has not been granted any Urgent Questions
Bell Ribeiro-Addy has not been granted any Adjournment Debates
Bell Ribeiro-Addy has not introduced any legislation before Parliament
Offensive Weapons Bill 2023-24
Sponsor - Helen Hayes (Lab)
Tax Reform Commission Bill 2022-23
Sponsor - Liz Saville Roberts (PC)
National Eye Health Strategy Bill 2022-23
Sponsor - Marsha De Cordova (Lab)
Elected Representatives (Prohibition of Deception) Bill 2022-23
Sponsor - Liz Saville Roberts (PC)
Bullying and respect at work Bill 2022-23
Sponsor - Rachael Maskell (LAB)
Bereavement Leave and Pay (Stillborn and Miscarried Babies) Bill 2021-22
Sponsor - Sarah Owen (Lab)
Abuse of Public-facing Workers (Offences) Bill 2021-22
Sponsor - Olivia Blake (Lab)
Transport (Disabled Passenger Charter) Bill 2021-22
Sponsor - Charlotte Nichols (Lab)
Remote Participation in House of Commons Proceedings (Motion) Bill 2019-21
Sponsor - Dawn Butler (Lab)
Fur Trade (Prohibition) Bill 2019-21
Sponsor - Taiwo Owatemi (Lab)
Business Standards Bill 2019-21
Sponsor - John McDonnell (Ind)
Equal Pay (Information and Claims) Bill 2019-21
Sponsor - Stella Creasy (LAB)
Immigration (Health and Social Care Staff) Bill 2019-21
Sponsor - Christine Jardine (LD)
Remote Participation in House of Commons Proceedings Bill 2019-21
Sponsor - Dawn Butler (Lab)
In its recent report into the rights of older people, the Women and Equalities Select Committee raised this matter and other issues. Together with other departments, we are considering those recommendations.
More widely, I refer to Minister McGovern’s recent answer 29784 on how the Government is supporting older people in tackling age discrimination and ageism in the workplace.
We recognise that women and girls may suffer as a result of the cost of period products.
The so-called ‘tampon tax’ has been abolished, and period underwear now receives the same zero-rate of VAT.
A scheme is in place for education settings, with free products available for all who need them, so periods are not a barrier to education. And all hospital patients can also receive free products.
No assessment of period product schemes operating in Scotland has been made.
We recognise that women and girls may suffer as a result of the cost of period products.
The so-called ‘tampon tax’ has been abolished, and period underwear now receives the same zero-rate of VAT.
A scheme is in place for education settings, with free products available for all who need them, so periods are not a barrier to education. And all hospital patients can also receive free products.
No assessment of period product schemes operating in Scotland has been made.
I refer the Hon Member to my response to UINs 44005-44007 tabled on Friday 11 April 2025.
In early 2024, the Crown Prosecution Service (CPS) updated its case management system to enable a new national ‘flag’ to be applied to prosecutions for homicide and attempted homicide brought on a joint enterprise basis. Each prosecution also now receives an enhanced level of supervision from a case management panel, chaired by a senior legal manager.
The CPS will publish a report on the monitoring data collected during the 2024/25 financial year in the summer.
The Law Officers’ Convention applies to advice which may or may not have been given by the Law Officers, or requested of the Law Officers, and the Convention applies to your question.
The Law Officers’ Convention can be found at paragraph 21.27 of Erskine May:
“By long-standing convention, observed by successive Governments, the fact of, and substance of advice from, the law officers of the Crown is not disclosed outside government. This convention is referred to in paragraph [5.14] of the Ministerial Code [updated on 6 November 2024]. The purpose of this convention is to enable the Government to obtain frank and full legal advice in confidence.”
As Minister Sackman has set out in other substantive answers on the the matter of joint enterprise, we are aware of concerns about the impact of joint enterprise doctrine on defendants and their families. That is why more broadly the Government continues to keep the law in this area under review.
With regard to the role of the Crown Prosecution Service (CPS), following publication of the Joint Enterprise Pilot 2023, the CPS held two national scrutiny panels on joint enterprise, with input from external stakeholders with relevant expertise and experience, to review the findings of the pilot and scrutinise joint enterprise casework. This review included a national scrutiny panel held on 1 February 2024 which focussed on joint enterprise cases where evidence of gang association was a feature.
The pilot found ethnic disparities in the caseload, but it was not possible to draw strong conclusions from the analysis due to the relatively small sample size (190 cases involving 680 defendants).
The CPS updated its case management system to commence a full national monitoring scheme in 2024. This monitors all homicide and attempted homicide prosecutions brought on a joint enterprise basis and will report annually. The CPS will publish a report on the monitoring data collected during the 2024/25 financial year in the summer.
Self-identified defendant ethnicity data from the police or other investigative authorities, subject to varying levels of error and omission at local levels, is uploaded to the CPS’ case management system. This can record the ethnicity category “W3 Gypsy and Irish Traveller” in accordance with criminal justice system data standards.
As Minister Sackman has set out in other substantive answers on the the matter of joint enterprise, we are aware of concerns about the impact of joint enterprise doctrine on defendants and their families. That is why more broadly the Government continues to keep the law in this area under review.
With regard to the role of the Crown Prosecution Service (CPS), following publication of the Joint Enterprise Pilot 2023, the CPS held two national scrutiny panels on joint enterprise, with input from external stakeholders with relevant expertise and experience, to review the findings of the pilot and scrutinise joint enterprise casework. This review included a national scrutiny panel held on 1 February 2024 which focussed on joint enterprise cases where evidence of gang association was a feature.
The pilot found ethnic disparities in the caseload, but it was not possible to draw strong conclusions from the analysis due to the relatively small sample size (190 cases involving 680 defendants).
The CPS updated its case management system to commence a full national monitoring scheme in 2024. This monitors all homicide and attempted homicide prosecutions brought on a joint enterprise basis and will report annually. The CPS will publish a report on the monitoring data collected during the 2024/25 financial year in the summer.
Self-identified defendant ethnicity data from the police or other investigative authorities, subject to varying levels of error and omission at local levels, is uploaded to the CPS’ case management system. This can record the ethnicity category “W3 Gypsy and Irish Traveller” in accordance with criminal justice system data standards.
I refer the Hon.Member for Clapham and Brixton Hill, Bell Ribeiro-Addy, to the answer provided to the Question on 20 January 2025 in the House of Lords. The response from The Baroness Twycross can be found here.
The EU is pursuing 8 infringement cases against the Government, as provided for under the UK-EU Withdrawal Agreement. We are committed to full and faithful implementation of the Withdrawal Agreement.
We have set out our immediate priorities for reforming employment law in the Plan to Make Work Pay. While the Plan does not include specific measures on implementing a strategy on sleep deprivation, it aims to improve wellbeing by supporting people to better balance work with their personal circumstances.
Furthermore, the Working Time Regulations establishes a legal framework which provides minimum standards for working hours and rest periods. This ensure that workers are provided with basic minimum rights on a maximum working week, rest breaks and annual leave.
In order to create a long-term, sustainable future for post offices in communities across the UK, Post Office is moving to a fully franchised network. All 108 Directly Managed Branches (DMBs) – including Brixton Post Office – are in scope of these changes.
Post Office intends to replace DMBs with Mains branches where possible (Mains branches offer similar services to DMBs). Where this is not possible, Post Office has committed to ensure that all communities currently served by a DMB will have at least one Mains branch within a 1-mile radius of the existing branch. Post Office will keep staff, customers and my honourable friend informed about changes to Brixton Post Office.
We aim to publish a Green Paper later this year which will set out several proposals for discussion on the future direction of the Post Office. As part of this work, Government will be carefully considering what customers, communities and postmasters would like to see from a modern Post Office network.
It is for businesses and auction rooms to consider the consent and licensing provisions of the Human Tissue Act 2004. Those who sell or purchase human remains may also be subject to their own professional standards and codes of conduct.
It is the responsibility of Ofcom, as the independent regulator of postal services, to ensure that the universal postal service is affordable for customers as well as being efficient and financially sustainable.
In its consultation document proposing a package of reforms to better reflect people’s usage of postal services and support financial sustainability, Ofcom set out that it plans to consider options to ensure the continued affordability of USO services, including more targeted interventions than the current Second-Class safeguard cap.
The government recognises the importance of access to post for all users, especially the most vulnerable and is committed to the universal service obligation.
As the independent regulator for postal services, it is Ofcom’s responsibility to secure the provision of a universal postal service and must ensure the provision of sufficient access points to meet the reasonable needs of users of the service. In its proposals, Ofcom committed to continue to engage with other stakeholders on the issue of ensuring that specific vulnerable groups have access to post.
No decisions regarding Crown, or ‘Directly Managed’ Branches, have been taken.
Any decisions on staffing are a matter for Post Office but we would expect any changes to be carried out in line with due process, including engagement and consultation.
One of the central aims communicated within Post Office's recently announced transformation plan was to prioritise postmasters, including increases in postmaster pay.
No decisions have yet been taken on the future of any Crown, or ‘Directly Managed’ Branches. Although staffing is an operational matter for the Post Office, we would expect any changes to be carried out in line with due process including engagement and consultation.
Post Office has committed to working with the unions to discuss the Chair’s transformation plans over the next three months. A new Consultative Council will also be introduced to work with the Post Office on how these new plans are taken forward, to provide genuine challenge and to make sure the plans remain focused on the needs of postmasters and the communication they serve.
Customers can deposit cash or cheques, withdraw money and check their balance at all the branch types listed as well as at Banking Hubs operated by the Post Office.
Customers can use the Post Office Branch Finder tool online to find out what services are available at their local branch.
No decisions regarding Crown, or ‘Directly Managed’ Branches, have been taken. The Post Office works with local communities to consider how to best meet needs for Post Office services in a local area. The Post Office will continue to deliver on the 11,500 minimum branch requirement set by Government.
Shop theft continues to increase at an unacceptable level, with more and more offenders using violence and abuse against shopworkers to do this. We will not stand for this, everybody has a right to feel safe on the job.
We will end the effective immunity, introduced by the previous Government, granted to low level shoplifting of goods under £200.
We have announced £100 million of new funding to kickstart the recruitment of 13,000 additional neighbourhood officers, community support officers and special constables into neighbourhood policing teams, as announced by the Prime Minister earlier this month.
Whilst Government does not generally intervene in the commercial pricing decisions of insurers, we are determined that insurers should treat customers fairly and firms are required to do so under Financial Conduct Authority rules.
Decarbonising the UK economy and scaling up clean energy industries brings an opportunity to reduce regional inequalities by creating new, high skill jobs in our industrial heartlands. Delivering net zero also means improving the energy performance of homes – the support provided through the Warm Homes Plan helps tackle fuel poverty and supports those struggling most with their energy bills. The Government considers the impact on inequality of each policy in our plans through Public Sector Equality Duty assessments. We will also deliver an updated plan that sets out the policy package out to the end of Carbon Budget 6 in 2037 in due course.
As set out in the Clean Power 2030 Action Plan, nuclear is estimated to have an installed capacity range of between 3 – 4 GW in 2030.
The Government is clear that nuclear power, including small modular reactors (SMRs), is and will continue to be an important part of the UK energy mix, providing secure, low carbon energy and thousands of skills jobs. Great British Nuclear is pushing forward with its SMR competition for UK deployment with final decisions to be taken this spring. As with all energy projects, the economic case for SMRs would be considered as part of any investment decision into the technology.
Consumption from datacentres has been forecast by NESO to increase and require an uninterrupted supply of electricity. SMRs have potential as a dedicated energy source for datacentres, given their potential to provide a near-constant supply of low-carbon electricity. SMRs do not have traditional storage capabilities, however some SMRs could be paired with thermal energy storage or grid-scale electricity storage to provide backup power and enhance their flexibility.
The Government continues to assess future energy requirements, including the potential impact of powering datacentres. Consumption from datacentres has been forecast by NESO to increase and require an uninterrupted supply of electricity. The Government is committed to nuclear playing an important role in generating low carbon power and contributing to UK energy security. Alongside large-scale plants, such as Hinkley Point C and Sizewell C, SMRs have the potential to supply the grid or to be a dedicated energy source for datacentres.
As set out in the Clean Power Action Plan, electricity generated by renewables and nuclear power will form the backbone of a clean electricity system by 2030, supported by low carbon flexible sources of power. EDF has announced extensions to four of its existing nuclear plants, with Heysham 2 and Torness now due to generate until 2030. Hinkley Point C, the first nuclear plant under construction in the UK in a generation, is expected to see its first unit come online between 2029-2031.
The latest published cost and technical assumptions for power technologies, including renewables and nuclear, can be found in the published Generation Costs series. [1]
Renewables and nuclear play different roles in a decarbonising system and full power sector modelling evaluates costs at the system level. For example, analysis of many power sector scenarios [2] indicates that a cost-effective system requires a mix of technologies.
[1] https://www.gov.uk/government/collections/energy-generation-cost-projections#2023
[2] https://www.gov.uk/government/publications/modelling-2050-electricity-system-analysis
The Department regularly engages across Government to promote the sustainable development of AI technologies in line with the UK’s Net Zero goals. This includes inter-departmental collaboration through initiatives such as the recently announced AI Energy Council and AI Growth Zones, aimed at addressing the growing energy demands of AI through sustainable, efficient, and scalable solutions.
Government is consulting on increasing minimum energy efficiency standards in the domestic private rented sector. The Renters’ Rights Bill will also put in place new regulations to protect tenants. This includes providing stronger protections to ensure that tenants are able to appeal excessive above-market rents, abolishing Section 21 ‘no fault evictions’, and moving to a simpler tenancy structure where all assured tenancies are periodic. These measures provide more security for tenants and enable them to challenge poor practice and unfair rent increases without fear of eviction.
The Government has made several spending announcements since July to deliver the UK’s 2019 pledge to spend £11.6bn in International Climate Finance between April 2021 and March 2026, and is supporting workers to move from carbon-intensive sectors to clean energy industries with initiatives like the Energy Skills Passport.
Additionally, the temporary Energy Profits Levy, which applies to upstream oil and gas producers, is expected to raise £12.6bn between now and 2030. This revenue will help support the transition, enhance energy security and independence, provide sustainable jobs, and help protect electricity bills against price shocks.
The Government is committed to a preventative approach to public health. Keeping people warm and well at home and improving the quality of new and existing homes will play an essential part in enabling people to live longer, healthier lives, reducing pressures on the NHS.
There are multiple targeted schemes delivering energy efficiency measures to low-income and fuel poor households. The Warm Home Discount schemes provide a £150 rebate off bills to eligible low-income households across Great Britain.
The Government has kickstarted delivery of the Warm Homes Plan, including an initial £1.8 billion to support fuel poverty schemes over the next 3 years.
UK Research and Innovation’s Natural Environment Research Council (NERC) has a range of vessels, aircraft, and autonomous underwater and aerial vehicles which capture data to help better understand the potential climate impact of Arctic warming. There are a number of research initiatives across the region contributing information into datasets and models to improve predictions. This includes CANARI, a £12 million collaborative research programme to improve knowledge about how climate variability and change in the Arctic-North Atlantic region will impact the UK, with a focus on extreme weather and rapid, disruptive change.
Through the Met Office, DSIT supported the Polar Amplification Model Intercomparison Project, within the Hadley Centre Climate Programme, which investigated factors driving polar amplification and how the global climate system responds to changes in Arctic and Antarctic sea ice.
The government recognises that access to high-quality and reliable broadband is essential.
Operators have a statutory responsibility to take measures to identify, prepare for and reduce anything that compromises the availability, performance or functionality of their networks and services.
DSIT regularly engages Ofcom, the independent regulator of telecommunications services, who created the voluntary compensation scheme and any changes to the scheme is a decision for Ofcom.
We will continue to work with Ofcom to monitor the market to ensure that consumers are receiving reliable services and recourse for when things go wrong.
The Secretary of State meets regularly with Health Ministers to discuss a range of topics. The Secretary of State has not met with the Secretary of State for Health and Social Care to specifically discuss impacts of the Data (Use and Access) Bill on protections for personal health data. Ministers have held discussions on the Bill with a wide range of stakeholders, including NHS stakeholders, providing opportunities to emphasise that the Bill does not impact on existing protections for personal health data. An impact assessment for the Bill can be found here.
The Government has clearly laid out its priorities in the manifesto and in the King’s speech, and the second part of Leveson is not among them.
The collapse of BetIndex Ltd, the operators of the novel gambling product Football Index, had a significant impact on former customers, and we recognise that many people were affected, and that for some people financial losses were significant. The previous Government commissioned an Independent Review in June 2021, conducted by Malcom Sheehan KC and which reported in September 2021. The review looked at how the company had been regulated, and identified areas for improvement for the Financial Conduct Authority and the Gambling Commission. All recommendations of the report have since been implemented.
The previous Government concluded that it would not be appropriate for the Government to use public funds to provide compensation for those who had lost money through the collapse of Football Index and BetIndex. Whilst the Government strongly sympathises with all who were impacted, we do not think this decision should be reopened.
I refer my hon. Friend, the Member for Clapham and Brixton Hill to the answer of 08 January 2025 to Question 21514.
Risk assessments are a legal requirement, and it is crucial for higher education (HE) providers and their affiliated student groups to comply with existing legislation and relevant guidance. This includes adhering to the Health and Safety Executive's guidelines for schools and education settings, any National Union of Students guidance and HE provider policies. Ensuring that risk assessments are conducted appropriately is essential to managing risks associated with student-led activities. Each HE provider should establish its own guidance and procedures to ensure compliance with these requirements.
This government is committed to supporting the aspiration of every person who meets the requirements and wants to go to university. The student finance system removes upfront financial barriers so that everyone with the ability and desire to enter higher education (HE) can do so.
All eligible students, regardless of their household income, can apply for up-front fee loans to meet the full costs of their tuition. Unlike commercial loans, student loans carry significant protections for borrowers. Monthly repayments are linked to income, not to the amount borrowed, and individuals are only required to make their contribution to the system when they are earning over the repayment threshold.
The government has announced that maximum loans and grants for living and other costs will increase by 3.1% for the 2025/26 academic year, with the highest levels of support paid to students from the lowest income families. A 3.1% increase is in line with forecast inflation based on the RPIX inflation index.
The department aims to publish our plans for HE reform as part of the Post-16 Education and Skills Strategy White Paper in the summer, and we will work with the sector and the Office for Students to deliver the change that the country needs.
The number of borrowers whose loan balance has increased between the start and end of the financial year for the most recent four years is:
These figures cover Student Finance England loan borrowers only, whereas the previous number provided to Question 50912 included borrowers from all UK funding bodies.
These numbers include all borrowers whose loan balance has increased, regardless of the number of payments they have made across the financial year, whereas Question 50912 included only borrowers who made at least four payments across the financial year.
These figures cover Plan 2, 5 and 3 undergraduate and postgraduate loan borrowers funded by Student Finance England. For each of the financial years provided, the figure was generated by comparing borrowers’ loan balances between 1 April at the start of the financial year and 31 March at the end of the financial year.
At the end of a borrower’s loan term, any outstanding loan balance, including interest built up, will be written off. This write-off is a government subsidy and a deliberate investment in our people and the economy.
The system is designed to ensure that those who benefit financially from higher education contribute towards the cost of it. This is why repayments are linked to income and not the loan balance, with monthly repayments increasing with borrower income.
Student loans are not like commercial loans, as they carry significant protections for borrowers. Those earning below the repayment threshold repay nothing, and at the end of the loan term, any outstanding debt is cancelled. This subsidy is a conscious investment in the skills capacity, people and economy of this country.
Furthermore, student loan balances do not appear on borrower credit records.
A full equality impact assessment of how student loan reforms may affect graduates, including detail on changes to average lifetime repayments under Plan 5, was produced and published in February 2022 under the previous government and can be found here: https://www.gov.uk/government/publications/higher-education-reform-equality-impact-assessment.
When a borrower takes out a student loan, they are provided with the terms and conditions. These clearly set out the repayment thresholds, when a borrower will start repaying, how their repayments will be calculated, how interest is applied, and when the loan term ends. Details around the protections available for borrowers, including the fact that any outstanding balance will be written off at the end of the loan term, are also included. All student loan borrowers must confirm that they have read and understood the terms and conditions prior to signing the loan agreement.
Access to this information up front ensures that prospective students can weigh up the likely overall costs and likely benefits to them of undertaking higher education, alongside the financial cost of repayment across the length of the loan period.
For those who may still be unclear about the long-term commitment of a student loan, there is a range of guidance on student loans available from the Student Loans Company.
Student loan borrowers may make additional, voluntary repayments at any time, if they wish to reduce their loan balance sooner or repay their loan in full. They will need to consider their personal circumstances and the fact that any outstanding loan balance, including interest accrued, will be written off at the end of the loan term. Voluntary repayments cannot be refunded.
Core school funding is distributed via the dedicated schools grant (DSG) to local authorities. Local authorities (Lambeth for Clapham and Brixton Hill constituency) then set their own local formulae which determine individual school allocations.
Through the DSG, Lambeth Council is receiving £241 million for mainstream schools in financial year 2025/26. This represents an increase of 1.9% per pupil compared to 2024/25 (excluding growth and falling rolls funding).
Mainstream schools in Lambeth attract £8,138 per pupil on average (excluding growth and falling rolls funding) in financial year 2025/26. From their budgets, schools are expected to meet the costs of additional support for their pupils with special educational needs, up to £6,000 per pupil per annum. Most pupils will require support costing less than that. For costs greater than that threshold, schools can access funding from the local authority’s high needs budget.
Through the DSG, Lambeth Council is receiving a high needs funding allocation of £71 million in the 2025/26 financial year. This national funding formula (NFF) allocation is a 7% increase per head of their 2 to 18-year-old population, on their equivalent 2024/25 NFF allocation.
Funding for the 2026/27 financial year and beyond has not yet been determined and is subject to the multi-year spending review.
The national funding formula is used to allocate core schools funding to each local authority through the dedicated schools grant (DSG). Local authorities then create their own local funding formulae to distribute that funding among the schools in their respective areas.
Through the DSG, Lambeth local authority is receiving £241.1 million for mainstream schools in the 2025/26 financial year. This represents an increase of 1.9% per pupil compared to 2024/25 (excluding growth and falling rolls funding).
No local authority has seen a reduction in per pupil funding through the schools block of the DSG from the 2024/25 to 2025/26 financial years.
Overall core schools funding is increasing to £65.3 billion in the 2025/26 financial year, up from £61.6 billion in 2024/25. This includes additional funding announced on 22 May alongside the teacher pay award.
It is important that we have a sustainable higher education (HE) funding system that provides opportunities for all, supports students, and maintains the world-leading status of our universities. This government keeps the student finance system under continuous review to ensure that it delivers good value for both students and taxpayers. We are determined that the HE funding system should deliver for our economy, for universities and for students, and the government is committed to supporting the aspiration of every person who meets the requirements and wants to go to university. We will set out this government’s longer term plan for HE reform by summer 2025.
Interest rates do not impact monthly repayments made by student loan borrowers. Regular repayments are based on a fixed percentage of earnings above the applicable student loan repayment threshold, not on amount borrowed or the rate of interest. If a borrower’s income drops, so does the amount they repay. If income is below the relevant student loan repayment threshold, or a borrower is not earning, repayments stop.
Any outstanding debt, including interest built up, is written off after the loan term ends at no detriment to the borrower. This protects lower and lower-middle earners in particular. This government subsidy of student loans is a deliberate investment in our young people and the economy.
A detailed impact assessment for the current student loan system is available at: https://www.gov.uk/government/publications/higher-education-reform-equality-impact-assessment.
To consider both students and taxpayers, and ensure the real value of the loans over the repayment term, interest rates on student loans are linked to inflation by being set in reference to the Retail Price Index (RPI), from the previous March, and applied annually on 1 September until 31 August. The next annual update will be based on the RPI from March 2025 and will apply from 1 September 2025.
As an additional borrower protection, interest rates on post-2012 loans are automatically capped by the prevailing market rate for comparable unsecured personal loans.