HC Deb 12 February 1976 vol 905 cc369-74W
Mr. Robin F. Cook

asked the Secretary of State for Scotland how many, and which councils currently charge more than 11 per cent. interest on loans for house purchase and improvement; and how many do so.

Mr. William Ross

40 district councils currently charge more than 11 per cent. interest on loans for house purchase and improvement:

  • Badenoch and Strathspey.
  • Caithness.
  • Inverness.
  • Lochaber.
  • Ross and Cromarty.
  • Skye and Lochalsh.
  • Sutherland.
  • Banff and Buchan.
  • Gordon.
  • Kincardine and Deeside.
  • Moray.
  • Angus.
  • Perth and Kinross.
  • Dunfermline.
  • Kirkcaldy.
  • East Lothian
  • Midlothian
  • West Lothian.
  • Clackmannan.
  • Falkirk.
  • Stirling.
  • Berwickshire.
  • Roxburgh.
  • Argyll and Bute.
  • Bearsden and Milngavie.
  • Clydebank.
    • 370
  • Cumbernauld and Kilsyth.
  • Dumbarton.
  • East Kilbride.
  • Eastwood.
  • Hamilton.
  • Kyle and Carrick.
  • Lanark.
  • Monklands.
  • Renfrew.
  • Annandale and Eskdale.
  • Wigtown.
  • Nithsdale.
  • Stewartry.
  • Shetland Islands.

Mr. Robin F. Cook

asked the Secretary of State for Scotland how many and which councils' loan schemes are related to the council's consolidated loans fund.

Mr. William Ross

14 authorities operate lending schemes whose interest rates are related to their consolidated loans funds:

  • Aberdeen.
  • Banff and Buchan.
  • Dundee.
  • Dunfermline.
  • Edinburgh.
  • Glasgow.
  • Inverclyde.
  • Inverness.
  • Kirkcaldy.
  • Lochaber.
  • Motherwell.
  • Orkney Islands.
  • Perth and Kinross.
  • Strathkelvin.

Mr. Robin F. Cook

asked the Secretary of State for Scotland how many and which councils are currently operating deferred payment or low start mortgage schemes as part of their home loan arrangements.

Mr. William Ross

This information is not available without special inquiry of all district councils.

Mr. Robin F. Cook

asked the Secretary of State for Scotland, how many and which councils had already entered into commitments to lend more than half the total amount advanced by them in 1974–75 for home loans, when Scottish Development Department Circular 85/1975 was issued.

Mr. William Ross

The following 16 local authorities had entered into commitments to lend more than half the total amount advanced in 1974–75 when SDD Circular No. 85/1975 was issued:

  • Caithness.
  • Cumnock and Doon.
  • Dundee City.
  • Dunfermline.
  • Edinburgh City.
  • Glasgow City.
  • Inverness.
  • Kirkcaldy.
  • Lochaber.
  • Monklands.
  • Motherwell.
  • Orkney.
  • Shetland Islands.
  • Skye and Lochalsh.
  • Stewartry.
  • Western Isles.

Mr. Robin F. Cook

asked the Secretary of State for Scotland what is the gross amount that each district and island council will be allowed to lend for house purchase in 1975–76, without taking into account any allocation from the building societies.

Mr. William Ross

The amount which each district and island council has been authorised to lend for house purchase in 1975–76 is as follows:

Allocation £'000
Badenoch and Strathspey 27
Caithness 130
Inverness 42
Lochaber 140
Nairn —
Ross and Cromarty 10
Skye and Lochalsh 30
Sutherland 87
Aberdeen City 525
Banff and Buchan 220
Gordon 400
Kincardine and Deeside 72
Moray 30
Angus 63
Dundee City 75
Perth and Kinross 47
Dunfermline 78
Kirkcaldy 170
North East Fife 89
Edinburgh City 3,080
East Lothian 150
Midlothian 25
West Lothian 42
Clackmannan 37
Falkirk 100
Stirling 72
Berwickshire 48
Ettrick and Lauderdale 50
Roxburgh 139
Tweeddale —
Argyll and Bute 230
Bearsden and Milngavie 60
Strathkelvin 237
Clydebank 105
Cumbernauld and Kilsyth 20
Cumnock and Doon Valley 4.5
Cunninghame 160
Dumbarton 205
East Kilbride 24
Eastwood 98
Glasgow City 5,400
Hamilton 11
Inverclyde 940
Kilmarnock and Loudoun —
Kyle and Carrick 12
Lanark 23
Monklands 115
Motherwell 46
Renfrew 380
Annandale and Eskdale 57
Wigtown 11
Nithsdale 70
Stewartry 18.5
Orkney 318
Shetland 670
Western Isles 56

Mr. Robin F. Cook

asked the Secretary of State for Scotland how many and which councils have informed the Scottish Development Department that they wish to participate in the special building society allocation of £7 million.

Mr. William Ross

The following 45 district and island councils informed my Department that they wished to participate in the special building society scheme:

  • Badenoch and Strathspey.
  • Caithness.
  • Inverness.
  • Lochaber.
  • Ross and Cromarty.
  • Sutherland.
  • Banff and Buchan.
  • Gordon.
  • Moray.
    • 373
  • Angus.
  • Dundee City.
  • Perth and Kinross.
  • Dunfermline.
  • Kirkcaldy.
  • North East Fife.
  • Edinburgh City.
  • East Lothian.
  • Midlothian.
  • West Lothian.
  • Clackmannan.
  • Stirling.
  • Berwickshire.
  • Ettrick and Lauderdale.
  • Roxburgh.
  • Argyll and Bute.
  • Strathkelvin.
  • Cumbernauld and Kilsyth.
  • Cunninghame.
  • Dumbarton.
  • East Kilbride.
  • Eastwood.
  • Glasgow City.
  • Hamilton.
  • Inverclyde.
  • Kyle and Carrick.
  • Lanark.
  • Motherwell.
  • Renfrew.
  • Annandale and Eskdale.
  • Wigtown.
  • Nithsdale.
  • Stewartry.
  • Orkney.
  • Shetland.
  • Western Isles.

Mr. Robin F. Cook

asked the Secretary of State for Scotland whether the Scottish Development Department has decided on the block allocations of the £7 million which were to be given to groups of districts; what districts are in each group and what amount has been allocated to each group.

Mr. William Ross

It has not been necessary to arrange with the Building Societies Association territorial allocations of the £7 million which is available under the special scheme to supplement local authority lending in 1975–76.

Mr. Robin F. Cook

asked the Secretary of State for Scotland how many applicants have been referred by councils to nominated building societies; which councils have referred applicants: under which category of Scottish Development Department Circular 112/1975 they fall; how many advances have been offered by building societies; and how many, respectively, have been declined by the applicant or refused by the societies.

Mr. William Ross

The details requested are not readily available, but I understand that so far 124 applications in all have been referred to nominated building societies by the following local authorities:

  • Banff and Buchan
  • Cumbernauld and Kilsyth
  • Edinburgh City
  • Glasgow City
  • Gordon
  • Inverclyde
  • Kirkcaldy
  • Lochaber
  • Midlothian
  • Moray
  • Motherwell
  • North East Fife
  • Orkney
  • Shetland
  • Stirling
  • Strathkelvin
  • West Lothian

Local authorities are expected to satisfy themselves that applications satisfy the criteria in SDD Circular No. 112/1975 before referring them to a building society.