Affordable homes

In recent years the proportion of people owning their own home has fallen in the UK. This concerns me, especially as many people would like to own their own home but find at current house prices that is either difficult or impossible.

Present mortgage rates are helping. The typical interest rate at the start of a first time buyer’s mortgage is between 2.4% and 2.6%, rising to 4% to 5.7%. These rates are low compared with the rates past generations faced, making early years repayments more affordable.

The problem is the price of the property. In the Reading area a first time buyer can get a one or two bedroom flat for less than £170,000. The lower priced properties tend to be in Reading town rather than in Wokingham or the villages around. A £150,000 mortgage starting at 2.4% requires monthly payments of £664-£676.

This will be possible for some young people earning around the national average. For those on lower pay there are shared ownership options where the capital cost is far less.

I am discussing with the Council what more can be done to improve the range of affordable homes for sale and for shared ownership, to see if more can get a foot on the property ladder.

Je suis (parts of) Magna Carta

On Thursday afternoon I visited the exhibition of the four remaining copies of Magna Carta in the House of Lords. There was a sense of reverence in the Robing Room as we peered through the glass cabinets at the small and powerful writing of the scribes 800 years before. I felt pride that our country had expressed and fought over such powerful ideas of liberty so long ago. I also felt a sense of how fragile freedom and honest government can be, recalling the many arguments, Parliamentary battles and wars that were fought in the centuries that followed to develop and cherish some of the ideals embodied in the Charter. King John, after all, overthrew Magna Carta not long after signing it.

The most enduring core of Magna Carta revolves around two big ideas. The first was that those who paid the taxes had the right to be consulted and have their grievances taken seriously before approving a new tax levy.

* (12) No ‘scutage’ or ‘aid’ may be levied in our kingdom without its general consent, unless it is for the ransom of our person, to make our eldest son a knight, and (once) to marry our eldest daughter. For these purposes only a reasonable ‘aid’ may be levied. ‘Aids’ from the city of London are to be treated similarly.

* (14) To obtain the general consent of the realm for the assessment of an ‘aid’ – except in the three cases specified above – or a ‘scutage’, we will cause the archbishops, bishops, abbots, earls, and greater barons to be summoned individually by letter. To those who hold lands directly of us we will cause a general summons to be issued, through the sheriffs and other officials, to come together on a fixed day (of which at least forty days notice shall be given) and at a fixed place. In all letters of summons, the cause of the summons will be stated. etc

This fundamental principle was taken up by successive Parliaments, which prized highly their right to be consulted, and later their right to decide, what taxes would be levied.

The second big idea was that everyone should be free of guilt and free from arrest or detention by government, unless good reason was shown and they were afforded a fair trial of their case. People today mainly praise clauses 39 and 40, but 38 is also central.

(38) In future no official shall place a man on trial upon his own unsupported statement, without producing credible witnesses to the truth of it.

+ (39) No free man shall be seized or imprisoned, or stripped of his rights or possessions, or outlawed or exiled, or deprived of his standing in any way, nor will we proceed with force against him, or send others to do so, except by the lawful judgment of his equals or by the law of the land.

+ (40) To no one will we sell, to no one deny or delay right or justice. -( See more at: http://www.bl.uk/magna-carta/articles/magna-carta-english-translation)

Today the threat to our ancient liberties comes not from a tyrannical monarch or even from a power hungry UK government, but from our entanglements with the EU. The principle that we have redress before approving taxes is damaged or broken by the levies made on us by the EU. These are often retrospective and are required whether we are happy or not with EU policy. No change of government can unilaterally abate the EU taxes.

The principle that people cannot be detained without trial could also be damaged by the different justice systems of parts of the EU, where innocent UK citizens could be detained under a European Arrest Warrant and not treated as the heirs to Magna Carta would expect.

In these respects Je suis Magna Carta.

Magna Carta revisited

Today I am posting twice about Magna Carta, in commemoration of the Parliamentary exhibition of the four extant versions of the document. This first post is a reissue of last year’s offering a brief guide to the Charter.

I agree with the Prime Minister that Magna Carta is seen to be a seminal document of English history. I am happy that it should be honoured and remembered for its 800th birthday. It has come to represent the important assertion of the right to a free trial, an early statement of an Englishman’s liberties, and part of the long process to control the powers of the King or the executive government.

I disagree with those, including some who write into this site, who see Magna Carta as a timeless document setting out our liberties in a way which we can never amend or alienate. Magna Carta was a staging post on a long journey to liberty. It was a step forward in curbing the power of the Crown, but it can tell us nothing about our rights vis a vis the EU or the ECJ.

Magna Carta was a peace treaty between the barons and the Crown. It set up a group of 25 elected peers to try to ensure good conduct on the part of the King after signing. At its best it set out eternal truths and freedoms which we still value. At its worst it was unkind and partial. Often it now strikes us as being archaic and irrelevant, as many of the grievances it sought to tackle were rooted in a feudal system which no longer applies.

Few today would want to see its clause about women and justice enforced. “No one shall be arrested or imprisoned on the appeal of a woman for the death of any person except her husband”. Nor would the right to give heirs in marriage “but not to someone of lower social standing” pass muster.

Its comments on foreigners might be more popular with the UKIP tendency: “As soon as peace is restored we will remove from the kingdom all foreign knights, bowmen, their attendants and the mercenaries”, but difficult and contentious to enforce today.

Removing all fish weirs on rivers is not such a central preoccupation as in 1215, as we have gone for windmills rather than for water wheels on rivers and rely more on sea fishing that river fishing.

The first requirement that the “English Church shall be free and its liberties unimpaired” has less relevance in a multi faith UK. The second embedded a “fair” rate of Inheritance Tax which might be to modern liking as it now seems low owing to inflation and only applied to Earls and Knights. Earls could not be charged more than £100, and knights not more than £5.

We still like the emphasis on fair trial for those accused, and the system of fines proportionate to the offence.

So to those who worship Magna Carta and dislike what successive Parliaments have done to it, I suggest you first read it in full.

Consultation on new leisure plans for Wokingham

The Council and regeneration company has written to me to set out their preliminary ideas for the Carnival Pool area of south Wokingham.

They are planning a modernised and expanded leisure area. They wish to renovate Carnival Pool, resite the bowling alley, provide a larger gym facilities and indoor sports facilities. There will also be room for café/restaurant space.

All interested can see the plans on www.regeneration company.co.uk and can respond to the consultation request.

War in Ukraine

David Cameron is not irrelevant or wrongly absent from the issue of the future of Ukraine. The decision of Germany and France to take up the question of peace with Russia does not make the UK irrelevant any more than it makes the USA irrelevant. Russia is well aware that NATO is the main decision making body over the use of western force, and the UK is an important part of NATO’s political decision making and command structure.

Let me begin by making clear I do not support Russia. I condemn any supply of Russian arms to the rebel forces, and any use of Russian military personnel to help them. The last thing the Ukraine needs is more weapons and further resort to violence.

By the same logic I do not support the west supplying weapons or military assistance to the Ukrainian government. The west should do all it can to promote a political settlement within the troubled territory. Sometime the protagonists are going to have to sit down and talk to each other, so why not start now rather than after hundreds more have been killed by both sides in the conflict.

Ukraine shows that far from being a force for peace in Europe, the EU can become a destabilising influence. Ukraine was relatively stable before the EU offered closer links with Ukraine and encouraged politicians sympathetic to the west in what was a very split country. Today the pro western government in Kiev is unable to speak for many of the Russian language citizens in their area, with the dreadful consequences we see. I do not want the west actively supporting or encouraging a government which shells and fires on its own civilians, whatever the provocation. I want the west to assist that government to talk to all its citizens and discuss what a new political settlement might look like that could meet the legitimate political aims of the many in the parts of Ukraine that do not currently look to Kiev for succour.

Russia may well be trying to split the west by hosting Germany and France. Nonetheless I wish Germany and France well in seeking a negotiated peace. Of course they must make clear that NATO will not accept Russian military expansion into NATO guaranteed countries that wish to remain independent of Russian control. They are however right to see if there is a political way forward in a country close to Russia, a non NATO member, which has stumbled into civil war in part thanks to the offers of the EU as well as owing to Russian military opportunism. We are told they will try to draft a paper and talk again at the week-end.

I do not support or welcome EU adventurism, whilst condemning Russian aggression. The EU has behaved badly. It needs to redeem itself by leading overtures for a peace in Ukraine based on voices and votes, not shells and guns.

GP hours and services

I am pleased to say I receive very few complaints about our local GP service. Many constituents are pleased with the service available to them.

Nationally there are issues with access to good GP services. Some people find it difficult to book an appointment. Some GP surgeries are overloaded, creating delays and difficulties for patients. If the GP service cannot cope, then more people turn up at A and E at the local main hospital.

On Thursday we had a debate about the future for GP services. I wish to see a further expansion of GP numbers, allowing more days and longer hours of opening as new GPs are recruited and become available. There are potential GPs who might like to work at different times and on different days from the standard five day week. If they volunteer contracts could be arranged to suit both them and patient needs for out of hours or week-end appointments.

I intervened in the debate to put this point, which was generally well received.

The war against ISIL

The Defence Select Committee of the Commons is wrong to chide the UK government for doing too little to fight ISIL. They are right to warn against supporting Assad in Syria as part of any campaign against ISIL.

ISIL are a very nasty group of fanatics, but they are not unique in a troubled Middle East. They are one faction amongst several fighting for supremacy. They need the oxygen of publicity to help their recruitment. They use the western media to show their potential followers that they are able to stand up to the west, that they are the best at pushing ahead with extremist aims, and they can command the attention of the most powerful states and alliances. They use extreme exhibitions of bestial violence to draw attention and seek a response.

ISIL want to turn local wars into international wars. They want to turn a Sunni/Shia conflict into a wider conflict between Islam and the west.If our government defines them as unique amongst all the warring bands it flatters them and serves their purpose. They are trying to get Jordan to cut loose from what they define as the western side of the conflict. If we allow ourselves to be driven into committing our armed forces to intervention on the ground we give them a further cause to resist and a new argument to terrified local populations to accept their mastery.

It is not easy in the west to urge caution or to say there are limits to what we can and should do. The west wishes to believe in its own invincibility and right. Any sensible retrospection on our interventions in Afghanistan, Iraq and Libya should give us pause for thought. It is not always possible to make things better for people living in these countries, however good our intentions and however skilled our armed forces. Sometimes it is best to avoid doing harm.

It is said that the western air strikes to date have arrested the advances of ISIL, and have given the Kurdish forces the chance to fight back successfully in some places. That may prove to be an intelligent use of western power. However, it does not solve all the problems. It still requires substantial military effort by local forces on the ground, and above all will need great political skill in turning any victory there into a successful outcome.

Will the Kurds wish to live in some remodelled Iraq or will they want their own country? When will the Iraqi government be able to win over most of its Sunni population? When will there be some outcome to the long and bitter Syrian civil war?

Bombing more targets in Iraq, or sending in more special forces and military advisers, is not going to solve these huge problems. In the meantime it is important not to rise to ISIL’s provocation in ways which they can exploit.

Affordable housing

I attended a meeting with representatives of the Housing Association movement in the South east on Tuesday.

I urged them to offer more affordable homes for sale, and more shared equity properties, as many people seeking a home would like to be owners or part owners if at all possible.

Ownership is the preferred tenure for most people. It is good to be free to alter, improve and decorate your home as you wish. It is good to look forward to your later life when you will be able to live in your home free of rent or mortgage, or move to a more suitable property and maybe even release some capital.

Homes are now expensive in the Wokingham area. Young people seeking to buy either need help from Mum and Dad, or need to be on good incomes at a young age to make it affordable. It is difficult or impossible for those without such assistance. That is where the Housing Association movement, with access to state monies, can help. The Housing Association people present said they did understand the wish for more to own or part own, and said they were going to do more for shared ownership.

Wokingham Borough and West Berkshire do require affordable housing construction in new developments, recognising the problem.

Greek brinkmanship

So far so good. The new Greek government has been touring the capitals of the EU, seeking to reassure and to push others to support them in a bid to extend the repayment dates of their debt and to make it easier to service. They have come up with sophisticated lines on how with agreement they could live with their debts, and all could believe they will ultimately meet the obligations, but not anytime soon.

They have also promise to live within their means month by month so they do need additional borrowings to pay for current spending. This forecast relies on getting in more tax revenue, and is despite their wish to increase certain spending programmes as part of their relief of austerity. Some will think this is feasible, others will worry lest the wish to spend outweighs the passion for prudence.

Meanwhile the day to day expenses of the government need cash. This is coming from issues of Treasury Bills as well as from revenue. The commercial banks can help by buying some of them. Germany is concerned, as the ECB is lending to the commercial banks, who in turn may be lending to the Greek government. That is not what Germany has in mind to continue Greece’s march to sound finance. The ECB’s decision to disallow Greek bonds as collateral for loans turns up the pressure and makes it more difficult for the Greek government to finance itself.

The Greek government has a point when it seeks a breathing space to construct new spending and taxing plans compatible with all the past debts. The EU and IMF have a point if they say there is to be no more additional borrowing for new spending, and there must be a sensible agreed plan for servicing and repaying the inherited debts. The irresistible force of Syriza has not yet directly hit the immovable object of German resistance to debt cancellation or rescheduling in effective partial cancellation. It is still too difficult to call how it will go, though much is riding on it for the EU economies and for the future of the Euro itself. If the lenders agree to some version of what Syriza wants, lengthening the repayment date and lowering the service charges, that is in effect cancelling some part of the debts. Why wouldn’t other states then want similar relief?

English votes

Some are asking for my views on how to deliver justice to England. I set these out earlier this week, and my views have not changed.

As I understand the William Hague proposals England will now decide her own spending within English agreed totals and will decide her own tax rates where Scotland has devolved power. That is progress, and I look forward to seeing the detail of how and when this will happen.