Tam Dalyell, MP for West Lothian 1962-1983, who first posed the West Lothian Question. Photo: Getty
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What is the West Lothian Question?

The thorny issue of “English votes for English laws”.

Tam Dalyell, the Labour MP for West Lothian from 1962 to 1983 (and then Linlithgow from 1983 to 2005) popularised what is commonly referred to as the West Lothian Question. Speaking in the Second Reading debate of the Scotland Bill on 14 November 1977, he raised what he considered to be “a basic design fault” in the way power is devolved in the UK – the fact that non-English MPs can vote on legislation that affects English politics, while English MPs do not have an equivalent say in Scotland, Wales and Northern Ireland:

I shall spare the House alliterative lists of being able to vote on the gut issue of politics in relation to Birmingham but not Bathgate. The fact is that the question with which I interrupted the Prime Minister on Thursday about my voting on issues affecting West Bromwich but not West Lothian, and his voting on issues affecting Carlisle but not Cardiff, is all too real and will not just go away.

If these alliterative lists simply symbolised some technical problem in the Bill, the House could be certain that Ministers would have ironed it out since February, if for no other reason than to spare themselves from having to listen to grinding repetition from me. That alone would have been ample reward and would have made their work solving the West Lothian-West Bromwich problem worthwhile.

The truth is that the West Lothian-West Bromwich problem is not a minor hitch to be overcome by rearranging the seating in the devolutionary coach. On the contrary, the West Lothian-West Bromwich problem pinpoints a basic design fault in the steering of the devolutionary coach which will cause it to crash into the side of the road before it has gone a hundred miles.

For how long will English constituencies and English hon. Members tolerate not just 71 Scots, 36 Welsh and a number of Ulstermen but at least 119 hon. Members from Scotland, Wales and Northern Ireland exercising an important, and probably often decisive, effect on English politics while they themselves have no say in the same matters in Scotland, Wales and Ireland? Such a situation cannot conceivably endure for long.

It was actually Enoch Powell, responding to Dalyell, who said “Let us call it the West Lothian Question”, giving a name to a problem that has vexed politicians for decades (Prime Minister William Gladstone, who represented Midlothian in the 19th century, tried to address a similar issue raised by Irish Home Rule in the 1880s). Issues such as university tuition fees have raised it time and time again in recent years, for instance when Scottish MPs were instrumental in passing legislation in Westminster that raised tuition fees in England, while the Scottish Parliament abolished them in their own country.

Unsatisfactory as the lack of an answer to the West Lothian Question is, it has always been thought that to try restrict votes in the House of Commons just to English MPs would be a constitutional nightmare, since it would create two classes of representative within the same institution.

However, speaking in response to the No vote in the Scottish independence referendum, David Cameron said this morning:

I have long believed that a crucial part missing from this national discussion is England. We have heard the voice of Scotland and now the millions of voices of England must also be heard. The question of English votes for English laws - the so-called West Lothian question - requires a decisive answer.

As ever, this problem is further complicated by politics. As my colleague George Eaton has pointed out, the balance of the parties in Westminster is such that if Scottish, Welsh and Northern Irish politicians were no longer allowed to vote on England-only legislation, any future Labour government would struggle to maintain a working majority, something which he says would hand “the Conservatives an effective veto” and likely leave “a future Labour Chancellor unable to pass his or her Budget”.

It’s all fiendishly complicated, and has decades of constitutional research and wrangling attached to it. It isn’t as simple as Ukip leader Nigel Farage is making it sound in media appearances this morning – he says he will now be agitating for “a fair voice for England” and justice for “English taxpayers”, without a hint of what the end goal of such a campaign would be. Cameron’s pledge that legislation will be ready by January seems ambitious.

Although, it might not be completely unrealistic. Work has been going on in the background on the question of “English votes for English laws” for years. Ken Clarke chaired a committee that made proposals in 2008, and both the 2010 Conservative and Liberal Democrat manifestos included a pledge to look into it. The McKay Commission was set up to do this in 2011, and reported in 2013 (read a summary of its recommendations here), so we can expect that its proposals will now be revisited.

Whatever David Cameron and the other national party leaders propose in the coming weeks and months, we can be sure that although that the question of Scottish independence has been settled for the moment, the debate on how England is represented has only just begun.

Caroline Crampton is assistant 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.