Housing and Planning Bill

Debate between Richard Bacon and Tim Farron

Tuesday 5th January 2016 Commons Chamber

[Tim Farron]

I am particularly grateful to have given way to my dad’s MP. On affordability, we all started somewhere. We might be fortunate enough to be homeowners, but people who are only just a bit younger than me belong to a generation where the average earner cannot afford to buy a home of any kind, so a starter home is a great blessing wherever it may be. I am not arguing against starter homes, but against a narrow definition whereby they are built at the cost of a larger number of genuinely affordable homes across the country. That is what my amendment seeks to address.

[Mr Bacon]

There is a fallacy that the hon. Gentleman adumbrated again when he said “at the cost of”. Why “at the cost of”? Why cannot local councils establish, grow and promote mutual housing co-operatives?

[Tim Farron]

I am in favour of those things too, but our understanding is that the starter homes initiative comes at the expense of—displaces—a larger number of homes built under section 106 of the Town and Country Planning Act 1990 through other forms of planning gain. That is what the Government have stated since the election and since this Bill became a subject of discussion.

I am not somebody who ideologically takes a view in favour of private or publicly provided housing; in fact, my great problem is that too many people in this debate do take an ideological view one way or the other. I want to solve the crippling housing crisis in this country. That means building 3 million homes over the next 10 years, and to achieve that, the majority will have to be what we would refer to as affordable homes—social rented homes, shared ownership homes, and other homes with some form of restriction that allows them to be affordable to people on average incomes.

[Mr Bacon]

Why?

[Tim Farron]

Perhaps if the hon. Gentleman understood what the average earner earns and what the average home costs in the average place, he would not need to ask why.

[Mr Bacon]

Does not the hon. Gentleman understand that the word “affordable” is deeply tendentious—deeply laden? The reason things are not affordable is that there is not enough supply. Fix the supply, and we fix the affordability. It is perfectly possible to have exception sites for mutual housing co-operatives, or for self-build, which could be done on a large scale. Some 50% or 60% of housing is done that way in big countries such as Germany and France, and it could be done here. All it needs is a bit of imagination.