Atheist in memory lapse and slavery shock

A riposte to the "smear tactics" used against the evolutionary biologist

Buy a copy of this week's New Statesman, The God Wars, here

Following Richard Dawkins's Today programme exchange with Giles Fraser over the New Testament and Darwin's On the Origin of Species, the evolutionary biologist and former New Statesman guest editor addresses the "smear tactics" used against him over the past week, first of which was the former canon chancellor's attempt on radio:

Far from being a real gotcha, Fraser's diversionary tactic can only be seen as a measure of desperation, designed to conceal the embarrassing ignorance of their holy book shown by 64 per cent of Census Christians [people who self-identified in the 2001 census as "Christian"]. In any case Darwin's Origin, I hope I don't have to add, is nobody's holy book.

In the cover story of this week's magazine, available in shops tomorrow, Dawkins also presents the results of a large-scale Ipsos MORI poll into Britain's relationship with Christianity. Among initial findings such as that the percentage of the population which describes itself as Christian has dropped from 72 to 54 per cent, Dawkins reports that:

"I try to be a good person" came top of the list of "what being a Christian means to you", but mark the sequel. When the Census Christians were asked explicitly, "When it comes to right and wrong, which of the following, if any, do you most look to for guidance?"only 10 per cent chose "Religious teachings and beliefs". Fifty-four per cent chose "My own inner moral sense" and a quarter chose "Parents, family or friends". Those would be my own top two and, I suspect, yours, too.

Dawkins states that these facts - not negotiable opinions - cannot be changed by smears and irrelevant digressions:

In modern Britain, not even Christians put Christianity anywhere near the heart of their lives, and they don't want it put at the heart of public life either. David Cameron and Baroness Warsi, please take note.

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Buy a copy of this week's New Statesman, The God Wars, here

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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.