Cameron's aim is to make it ever harder to challenge unfair cuts

The implications of the PM's plan to abolish equality impact assessments and restrict judicial review.

What lies behind David Cameron's latest bonfire of the regulations? One of the main, if largely unspoken, aims is to allow the government to introduce unfair spending cuts - and to ensure that they can't be challenged. Under equality law, the government is currently required to assess "the likely or actual effects of policies or services on people in respect of disability, gender and racial equality". But in his speech to the CBI's annual conference, Cameron announced that equality impact assessments, established after the Macpherson report into the murder of Stephen Lawrence, would be scrapped on the grounds that since there are "smart people in Whitehall who consider equalities issues while they’re making the policy", we don't need "all this extra tick-box stuff." Thus, ministers will no longer have to prove that they have taken into account the effect of policies on the disabled, women, and ethnic minorities - you'll just have to take their word for it.

In some respects, Cameron's announcement is merely a formalisation of existing practice. Since coming to power, the government has regularly flouted equality law and refused to carry out impact assessments. In August 2010, the Fawcett Society brought a legal challenge against George Osborne's emergency Budget after the government failed to assess whether its measures would increase inequality between women and men. Of the £8bn of cuts announced in the Budget, £5.8bn fell on women.

Earlier this year, the Equality and Human Rights Commission criticised the government for not considering the impact the benefits cap would have on women, the impact cuts to bus fare subsidies would have on disabled people, and the impact the abolition of the Education Maintenance Allowance would have on ethnic minorities (almost half of children from ethnic minorities live in low-income households).

At present, any groups disproportionately effected by government cuts, are able to seek a judicial review (as the Fawcett Society did). But Cameron intends to make it ever harder for them to do so. In his speech today, the PM announced that he would reduce the time limit for people to bring cases, charge more for reviews, and halve the number of possible appeals from four to two.

So, not only has Cameron increased the scope for discriminatory cuts, he has acted pre-emptively to ensure that there's even less we can do about it. As ever, one wonders, where are the Lib Dems?

smart people in Whitehall who consider equalities issues while they're making the policy. We don't need all this extra tick-box stuff.

Read more: http://www.belfasttelegraph.co.uk/news/local-national/uk/cameron-pledge-on-equality-rules-16239455.html#ixzz2CfZZKGdo

smart people in Whitehall who consider equalities issues while they're making the policy. We don't need all this extra tick-box stuff.

Read more: http://www.belfasttelegraph.co.uk/news/local-national/uk/cameron-pledge-on-equality-rules-16239455.html#ixzz2CfZS2EHh

smart people in Whitehall who consider equalities issues while they're making the policy. We don't need all this extra tick-box stuff.

Read more: http://www.belfasttelegraph.co.uk/news/local-national/uk/cameron-pledge-on-equality-rules-16239455.html#ixzz2CfZS2EHh

David Cameron addresses delegates at the annual Confederation of British Industry (CBI) conference. Photograph: Getty Images.

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.