Obama must now make gun control his legacy

Before the public outrage over the Connecticut shooting dissipates, the president must take a stand.

Yesterday morning, a twenty-year-old man in Connecticut woke up, dressed, and stepped out into the cold grey dawn. Then he walked to Sandy Hook Elementary School, and he shot and killed twenty children and six adults, including his mother – to whom his guns belonged – in cold blood. Then, he shot himself.

Soon after the news of the attack broke, White House press secretary Jay Carney released a statement. It said, inexplicably: “today is not the day to talk about gun control.”

Some have pointed out that madmen with guns are not unique to the United States. They point to Dunblane, or Anders Breivik. But after Dunblane, the UK banned handguns – and there has not been a similar attack since. In Britain last year, the sum total of death from gun crime was 39.

In the US, that total was eleven thousand, one hundred and one, and this year is on track to be even higher. Look at it this way: if the Connecticut attack was the only shooting yesterday, then the day's death toll would actually be below average. More people are murdered with guns every year in America than the total number of US military casualties in Iraq and Afghanistan since 2001. More than twice as many people die from firearm homicide as in September 11th and Pearl Harbour combined. 31 people are murdered with a gun here every day; and these numbers don't even count accidental deaths. Just murder.

There are countries rent by sectarian violence or war where this is higher, but to my knowledge nowhere is this level of death considered business as usual – or defended as an inalienable right. Many here don't seem able to make the connection that more guns means more shootings. Some have even suggested that tragedy would have been averted had the teachers or others near the scene had guns, turning a blind eye, apparently, to the fact that the guns used belonged to the killer's mother, one of the victims, and were bought legally.

Here's the rub: Guns don't kill people. People kill people. Guns just make it exponentially easier.

The US's love affair with firearms dates back to its independence, the wars with Britain and with Mexico, and its wild frontiers where a gun was a vital tool for self-defence. The right to bear arms is enshrined in the second amendment to the constitution, signed by Thomas Jefferson and adopted into law in 1791. It reads: “A well regulated militia being necessary to the security of a free state, the right of the people to keep and bear arms shall not be infringed”

The US courts have largely ignored the “well-regulated militia” part of the amendment, however, and choose instead to interpret the constitution as upholding as inalienable an individual's right to carry deadly weapons, from pistols to hunting rifles all the way to military-spec thousand-rounds-a-minute assault weapons.

The killer at Sandy Hook was carrying two pistols and a Bushmaster M4 semi-automatic assault carbine rifle, a weapon designed specifically to get around the 1994-2004 assault weapons ban. It bears about as close a resemblance to “arms” that Thomas Jefferson would have recognised as a hundred-ton battle tank does to a warhorse.

Obama must now make gun-control his legacy. With no further elections to win, and a reinforced popular mandate, as well as the public outrage that will follow from Sandy Hook, an American president will see few opportunities as good as this to force tighter controls on America's gun-owning public. A ban is extreme and impossible; but severe restrictions on assault weapons and high-powered rifles, as well as stricter licensing, tests and registration procedures, would improve the situation. This time does feel different. Vigils are in place at the White House calling for gun control, and an online petition to change the law has already reached 25,000 signatures; the threshold for a government response.

But the gun lobby is extremely powerful. Just three days ago, a circuit court ruled that an Illinois handgun ban was unconstitutional – the case was funded by the National Rifle Association, who have political leverage over much of Congress, too. Their political sway is enormous. In the last election, the NRA outspent all gun-control groups by twelve to one.

If Obama doesn't make a real stand today, the response to this tragedy will be grimly predictable. There will be speechifying in which his sympathy is offered “as a parent” and action vaguely promised. Politicians will proffer their prayers and their tears. But nothing will change.

“As a country, we've been through this too many times,” Obama said in a statement yesterday afternoon, and his voice cracked with genuine emotion. But behind the scenes, he will be being told that any sweeping gun-control legislation is practically a non-starter, especially during fragile negotiations on the fiscal cliff. Of course, gun control can wait, but the debt cieling - that must be dealt with without delay. Gun control can always wait.

But if this very real sense of national anger is not capitalised upon, America will sigh and it will dwindle; just like after Clackamas, after Oak Creek, after Aurora, after Oikos, after Seal Beach, after Tucson, after Fort Hood, after Binghampton, afterBrookfield, after Meridian, after Wedgewood, after Virginia Tech, and after Columbine. The media will briefly obsess over trivial details in the killer's life story, then wring its hands and agonise about its coverage, and then swiftly forget as the cycle turns.

And in six months or a year, another kid with a grievance will pick up another assault rifle, take a breath, and step out into another cold grey dawn.

A candle light vigil outside the White House to remember the victims at the Sandy Hook Elementary School shooting in Newtown, Connecticut. Photograph: Getty Images.

Nicky Woolf is a writer for the Guardian based in the US. He tweets @NickyWoolf.

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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.