The case against being "anti-politics"

A system with fewer people voting is often in the interests of the politicians you’re supposed to ha

Politics is not a dirty word. But sometimes it feels like politicians are competing over who can spurn their vocation most. "We’re corrupt! Elite! Insular!" they shout. The concept of the “Westminster bubble” must be the most popular phrase in Portcullis. Anti-politics is the only platform we dare to stand on. We’ve all done it. But it’s too easy. And it sounds false coming from those who remain in the system precisely because they still believe in it. On polling day, we realise that pandering to disillusionment is in danger of justifying voter apathy. It’s time for a defence of politics.

Blanket attacks on the system are patronising. They let people get away with an abdication of responsibility. The underlying premise seems to be that politics is completely divorced from the actions of ordinary people, and that this problem is purely for politicians to fix. The voter, in essence, is a kind of consumer that is being let down by "Government Inc." If they could just provide a better service, everything would be okay. But the truth is that if politics isn’t working, people have a duty to intervene. Yes, our politicians have let us down, but so have those who don’t do anything about it. At the last election, some two thirds of people didn’t show up to vote. Without trying to change the system in other ways, that's complicity in wrongdoing. They’re free-riding on citizens that do bother. They deserve a bit less pity and a bit more anger.

None of this is to excuse politicians from keeping their side of the bargain. Anyone who knows my work knows I am fully capable of mounting my high horse when there’s a problem. Expenses, Murdoch, cash for influence: politicians have let us down. The voting system doesn’t answer our preferences or offer meaningful power between elections. The City rules. But people have a responsibility too. If you don’t like the way a party is going, join it and change it. If you don’t feel represented by anyone, stand independent or encourage someone else to. If you don’t like mainstream politics, try changing it in other ways. Yes there are obstacles here too, but how many people who criticise have actually tried?

“Politicians should challenge people to be better as well as themselves”, says Arnie Graf, co-director of the Industrial Areas Foundation which promotes community organising in the US, who has been working closely with Ed Miliband, “One of the reasons for the breakdown of politics is that people don’t do enough to make sure they’re given what they’re promised, and politicians don’t do enough to challenge citizens. We treat them like customers in focus groups rather than people to work with.”

I first fell in love with politics because it offered power and participation. It meant fighting a campaign in our school for healthier canteen meals and getting our photo in the local press. It meant collaring Ken Livingstone on the tube and asking him why we hadn’t got that skate park. It meant daring to explain why you ate Fairtrade chocolate. It meant arguments. It meant boring meetings. It meant influence. It wasn’t them; it was us, and we got more done because of it. Yes, some people are brought up with more political education than others, but at some point people have to take responsibility.

If my impression of politics is a little romantic, I’m glad I’ve managed to hold on to that. But more sceptical voters may be convinced by a more cynical argument. A system with fewer people voting is often in the interests of the politicians you’re supposed to hate. With such a small electoral base, parties can spot the swing voters and treat winning like a science. Elections become predictable, calculated and easier to stitch up. A large, unwieldy and active electorate is harder to control. So don’t think about skipping the polls today. If you keep your half of the bargain, politicians are more likely to keep theirs.

Rowenna Davis is Labour PPC for Southampton Itchen and a councillor for Peckham

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I was wrong about Help to Buy - but I'm still glad it's gone

As a mortgage journalist in 2013, I was deeply sceptical of the guarantee scheme. 

If you just read the headlines about Help to Buy, you could be under the impression that Theresa May has just axed an important scheme for first-time buyers. If you're on the left, you might conclude that she is on a mission to make life worse for ordinary working people. If you just enjoy blue-on-blue action, it's a swipe at the Chancellor she sacked, George Osborne.

Except it's none of those things. Help to Buy mortgage guarantee scheme is a policy that actually worked pretty well - despite the concerns of financial journalists including me - and has served its purpose.

When Osborne first announced Help to Buy in 2013, it was controversial. Mortgage journalists, such as I was at the time, were still mopping up news from the financial crisis. We were still writing up reports about the toxic loan books that had brought the banks crashing down. The idea of the Government promising to bail out mortgage borrowers seemed the height of recklessness.

But the Government always intended Help to Buy mortgage guarantee to act as a stimulus, not a long-term solution. From the beginning, it had an end date - 31 December 2016. The idea was to encourage big banks to start lending again.

So far, the record of Help to Buy has been pretty good. A first-time buyer in 2013 with a 5 per cent deposit had 56 mortgage products to choose from - not much when you consider some of those products would have been ridiculously expensive or would come with many strings attached. By 2016, according to Moneyfacts, first-time buyers had 271 products to choose from, nearly a five-fold increase

Over the same period, financial regulators have introduced much tougher mortgage affordability rules. First-time buyers can be expected to be interrogated about their income, their little luxuries and how they would cope if interest rates rose (contrary to our expectations in 2013, the Bank of England base rate has actually fallen). 

A criticism that still rings true, however, is that the mortgage guarantee scheme only helps boost demand for properties, while doing nothing about the lack of housing supply. Unlike its sister scheme, the Help to Buy equity loan scheme, there is no incentive for property companies to build more homes. According to FullFact, there were just 112,000 homes being built in England and Wales in 2010. By 2015, that had increased, but only to a mere 149,000.

This lack of supply helps to prop up house prices - one of the factors making it so difficult to get on the housing ladder in the first place. In July, the average house price in England was £233,000. This means a first-time buyer with a 5 per cent deposit of £11,650 would still need to be earning nearly £50,000 to meet most mortgage affordability criteria. In other words, the Help to Buy mortgage guarantee is targeted squarely at the middle class.

The Government plans to maintain the Help to Buy equity loan scheme, which is restricted to new builds, and the Help to Buy ISA, which rewards savers at a time of low interest rates. As for Help to Buy mortgage guarantee, the scheme may be dead, but so long as high street banks are offering 95 per cent mortgages, its effects are still with us.