If you're desperate to torture Nadine Dorries on TV, what does that say about you?

Why we should feel sorry for the Conservative MP.

Feeling sorry for Nadine Dorries is not going to be popular view, but I suspect the next week is going to showcase some not very attractive facets of the mob mentality that sometimes arises around these reality TV shows. Almost 10 years ago, Channel 4 had to get in extra security when Adele left Big Brother. Why? Because people thought that she had been a bit two-faced and there was such over-the-top hatred towards her, fuelled by the tabloid press.Then the same papers fuelled hatred towards Jade Goody by depicting her as a pig, starting off the rollercoaster that saw them make her, break her and finally raise her to virtual sainthood before her premature death from cancer in 2009.

I do watch I'm a Celebrity. It can be quite compelling. It actually changed my opinion of Liberal Democrat Brian Paddick. His series was a classic, though, with George Takei, Martina Navratilova and Esther Rantzen providing much amusement and quality banter. Brian was not in my good books because he'd criticised his 2008 London mayoral campaign team, led by my friend Andrew Reeves, in the press. He later learned his lesson, recognised that he had been a bit of a diva and went on to fight a very good campaign in the same role this year. However, in 2008, I have to admit, not to my credit, that a huge motivation for tuning in was to see him get covered in beasties and eat unmentionables.

Now, there comes a point, though, if a person is showing real distress, that enjoying their discomfort goes from being not very nice to inappropriate or even unacceptable. In the first week, viewers can choose who does the bush tucker trials, where a celebrity goes through an extremely unpleasant experience, usually involving bugs and beasties, to earn meals for everyone else. The viewers inevitably choose the people who are most scared. Last year it was Sinitta, or occasionally Antony Cotton. It's been Jordan and Gillian McKeith in the past. If someone has had to have oxygen because they are so scared, then it would never occur to me to pick up the phone  to put them through it again. There comes a time when, however much they're being paid, however self-inflicted it all is, putting them through actual suffering is not nice.

I think we can guess who'll be voted to do all the trials this week. Nadine Dorries, the controversial Tory MP who's abandoned her constituents so she can lecture us all about abortion from around the camp fire, has, in my view, no redeeming features. The one bad consequence of the Liberal Democrats voting against the boundary changes is that her constituency will remain in existence. She has therefore had a pretty major reward for her bad behaviour in voting against Lords reform.

In my view, Nadine should not have agreed to take part in this programme. For an MP to be out of the country and uncontactable for three weeks purely to take part in a TV show is not on. There are obviously times when MPs have to take  extended spells out of Westminster. They're human beings and subject to the same crises in terms of illness or caring for sick relatives that we all go through and we'd take time off for. People have sympathy with that. They are less likely to understand an indulgent ego trip, done without consulting anyone, which will benefit nobody but Nadine. I'm sure she sees a future for herself as a Christine Hamilton type, rehabilitated by reality TV almost to national treasure status. Well, that worked so well for Lembit when he did it after losing his seat in 2010. And as Chief Whip Alistair Carmichael pointed out in his inimitable style this week:
 

If Nadine struggles in the jungle, I won't be wasting too much of my energy feeling sorry for her, but I don't think it is to anyone's credit if they take pleasure in actual suffering of another human being, no matter how self indulgent, self inflicted or insignificant in the scheme of things it is.

I am maybe being a bit soft here - but then I can't imagine that, had I lived in an earlier time, that I'd have had much truck with throwing things at people who'd been put in the stocks. These reality shows can sometimes be the modern day equivalent.

Caron Lindsay is a Lib Dem activist and blogger. This post originally appeared on her blog here. You can find her on Twitter as @caronmlindsay

Nadine Dorries in a publicity shot for "I'm a Celebrity, Get Me Out of Here". Photograph: ITV
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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.