Cardinal defends comparing gay marriage to slavery

Keith O'Brien says it's "a perfectly good example of what could happen".

Judging by his rhetoric, Cardinal Keith O'Brien, the leader of the Catholic Church in Scotland, is not a man seeking converts.

Challenged on the Today programme this morning over his comparison of gay marriage with slavery in a column for the Sunday Telegraph, O'Brien insisted that it was "a perfectly good example of what could happen in our own country".

He wrote in the paper:

Imagine for a moment that the Government had decided to legalise slavery but assured us that "no one will be forced to keep a slave".

Would such worthless assurances calm our fury? Would they justify dismantling a fundamental human right? Or would they simply amount to weasel words masking a great wrong?

Here's the full, shocking exchange with John Humphrys.

John Humphrys: The idea of introducing the notion of something as grotesque as slavery, and I use the word there advisedly, the ultimate denial of a person's human rights, in this context will itself prompt many people to think that this is grotesque, that your notion of it is grotesque.

Keith O'Brien: I'm not saying that it's grotesque, perhaps to some people it might appear grotesque.

Humphrys: But you're a Cardinal! Should you be using that kind of language? Equating, even as remotely as this, the notion of gay relationships with slavery?

O'Brien: I think it's a very, very good example as to what might happen in our own country at this present time and I feel I've duty, a responsibility to preach and to teach and this is one of the ways in which I do it.

Humphrys: Sorry, you lost me a little here, what might happen? Legalising slavery and the equivalent of homosexual marriage?

O'Brien: It is a perfectly good example as to what could happen in our own country if we go this way. I'm simply handing on the teaching of the Christian Church down through the years.

George Eaton is political editor of the New Statesman.

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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.