Number of first-time buyers drops to lowest level for a year as mortgage lenders freeze out those with small deposits The number of first-time buyers fell in September 2011 to the lowest level in almost a year as a result of mortgage providers approving fewer loans for borrowers with small deposits, according to the latest e.surv mortgage monitor. Mortgage approvals in the cheapest price bracket (up to £250,000, which is considered typical first-timer property) accounted for only 22% of the total market in September, the lowest since November 2010 and well down on the 30% seen in 2006 when the housing market was near its peak. Approvals for mortgages with a deposit of 25% or under fell to their lowest number since February, at 33.5% of all loans approved for purchase, compared with 43.2% in September 2007 The average loan-to-value in the cheapest price bracket fell to 66% – far below the 76% LTV seen in September 2006, as borrowers found it harder to secure mortgages with a smaller deposit. E.surv said the decline in lower-income buyers fuelled a 1.7% total fall in mortgage purchase approvals in September, to 51,524, down from 52,410 in August. But approvals on homes in all price brackets above £250,000 remained steady. Richard Sexton, business development director of e.surv , said: “With the economy in peril from every angle, lenders are playing it safe and training their sights on wealthier borrowers. But for those who can access mortgage finance, life is particularly sweet. “Lenders are falling over themselves trying to offer the lowest fixed-rate deals, and the good news is that they look odds-on to remain particularly cheap for the foreseeable future. But that won’t be of much comfort to first-time buyers who can’t build the big deposit required to access these rates.” Matt Griffiths of first-time buyer campaign website PricedOut.org.uk agreed that conditions were leading to a widening gap between homeowners and prospective buyers. He said: “For those blessed with home ownership, very low bank rates are giving large cash windfalls whilst saving capital values from sharp falls. But for those not on the ladder the financial storm is hitting their ability to get a mortgage whilst rental inflation hits their ability to save.” The research came as lender HSBC announced it intended to make £350m of lending available to borrowers with small deposits. Separate research from LSL Property Services showed a 0.3% fall in house prices in September. David Newnes, director of LSL, said the modest summer recovery in the housing market “came to an abrupt end in September”. He added: “There are still serious barriers to a sustained property market recovery. Outside London, prices are falling throughout England and Wales and this has contributed to a fall in the average house price.” First-time buyers Property Mortgages Mortgage lending figures Housing market Real estate Mark King guardian.co.uk
Continue reading …Nature Check report assesses government’s progress on pledges to protect the natural environment The government is failing to deliver on most of its commitments to help wildlife and the countryside, a coalition of leading conservation groups said on Friday. An assessment backed by 29 organisations has used a traffic light system to see whether 16 government pledges on the natural environment are being backed by policies which are well-designed and on track. The Nature Check report criticises the government over a number of controversial policies which conservationists say show ministers are failing to keep their promises on protecting nature. They include the reliance on a badger cull to tackle bovine TB , attempts by ministers to dispose of publicly owned forests to businesses and charities and the current row over changes to the planning system which opponents fear will lead to a return to damaging development in the countryside. Just two of the promises outlined in the government’s coalition agreement have been given a green approval rating in the report published by the Wildlife and Countryside Link umbrella group today. The government has earned the backing of the conservation groups for its action on pledges to oppose the resumption of commercial whaling and to press for a ban on ivory sales . A further seven commitments have been given an amber rating because the groups say ministers are failing to support positive ambition and rhetoric with effective policies. Seven more pledges are given a red light, including promising to reform the planning system to give neighbourhoods more of a say in their local area and to create a presumption in favour of sustainable development in planning. Other areas where the conservation groups say the government is failing to deliver well-designed policies on time include preventing unnecessary building in flood plains and ensuring measures to look after the seas and open access to the coast are implemented effectively. Martin Harper, conservation director of the RSPB, one of the groups in the coalition, said: “These are 16 policy areas where the government has promised tough action, but that is not what we are seeing. “In these financially straitened times politicians may be tempted to ignore the natural environment in favour of economic growth – but this kind of short-termist attitude won’t wash with a British public which expects the government to protect the countryside and wildlife we all hold dear.” He said a healthy natural environment was not “an aspirational luxury for times of plenty”, but was vital for the future wellbeing of the economy and society. Neil Sinden, policy and campaigns director for the Campaign to Protect Rural England, said the government would not be the greenest ever, as it claimed , if it continued with a “business as usual” approach to economic growth. Wildlife Conservation Green politics guardian.co.uk
Continue reading …Four reported survivors including two pilots after Airlines PNG Dash-8 plane comes down in forest near Madang A plane has crashed in stormy weather in Papua New Guinea’s remote forests, killing 28 people and leaving four survivors, officials have said. Two pilots – one Australian and one New Zealander – were among those who survived Thursday’s crash on the northern coast, Australia’s foreign affairs department said. The Airlines PNG Dash 8 plane crashed while flying from Lae to the resort hub of Madang, Papua New Guinea’s Accident Investigation Commission spokesman Sid O’Toole said. Most of the passengers had been parents travelling to attend their children’s university graduation ceremony in Madang this weekend, according to the Australian Associated Press news agency. The duty manager at the Madang Resort, Donald Lambert, said six of the plane’s occupants – one passenger and five crew members – had reservations to stay at his hotel. “I went to meet them at the airport,” he said. The crash site was 12 miles (20km) south of Madang. Police and ambulances had reached the crash site and investigators were on their way. Australian consular officials were planning to travel to Madang on Friday. “Initial indications are that there are no Australians amongst those killed,” Australia’s foreign affairs department said in a statement. Trevor Hattersley, the Australian high commission’s warden in Madang, said the plane went down during a violent storm in remote jungle not far from the coast. “The weather was horrendous,” Hattersley told the Associated Press. “There was a huge storm that came through at the same time – big rain, big wind.” The storm had flooded the only road from the crash site to Madang, so rescuers had to get the four survivors to the nearest beach and transport them to Madang by boat. Papua New Guinea journalist Scott Waide told the Australian Broadcasting Corporation that he had visited the hospital where the survivors were being treated. One of the survivors told a nurse he fled the burning wreckage through a crack in the fuselage. “He told the nurses he was sitting on the seventh seat and the plane broke in half,” Waide told the ABC. “While struggling to get out his arms got burned and his back got burned.” Airlines PNG said a full investigation was under way and it had temporarily grounded its fleet of 12 Dash 8 planes. Plane crashes Papua New Guinea Australia New Zealand guardian.co.uk
Continue reading …The Italian PM’s government must resign if it fails to win more votes than the opposition on Friday Silvio Berlusconi is to stake the fate of his government and his own political future on a confidence vote in parliament on Friday. Standing before a half-empty chamber boycotted by the opposition, he appealed on Thursday for support from the chamber of deputies, the lower house of the Italian parliament, saying: “There are no alternatives.” Berlusconi decided to seek a vote of confidence after losing a crucial division on the public accounts earlier this week. The result of the confidence vote is due at around 11.30am GMT on Friday. To survive, the government needs only to secure more votes than the opposition. If it loses, it is constitutionally bound to resign. All but six deputies were missing from the opposition benches when the prime minister got up to speak, the main opposition parties having decided to stay away from the debate in protest at Berlusconi’s refusal to step down. Under mounting pressure from the courts, where he is a defendant in three trials, the prime minister leads an increasingly fractious party. However, one of the biggest question marks hanging over Friday’s vote was removed when his chief ally, Umberto Bossi, the leader of the Northern League, confirmed his support for Berlusconi’s rightwing coalition. “The government will still be here tomorrow evening,” he told reporters after listening to the prime minister’s speech. But there is still a risk that individual maverick deputies will stay away in numbers sufficient to bring down the government. This week brought a high-profile defection in the person of Santo Versace, the brother of the designers Donatella and the late Gianni Versace. Santo Versace was elected for Berlusconi’s party, the Freedom People (PdL), when the right stormed back into power three years ago. But, he said: “The economic situation is critical. I’ll be voting against [the government] because it is better to change.” The latest crisis to engulf Berlusconi’s government has come in the midst of the eurozone emergency at a time when Italy is battling to convince investors of its creditworthiness, despite massive public debts of around 120% of GDP. So far this year the government has passed four increasingly stringent austerity packages aimed at reducing the budget deficit. But it has been fiercely criticised, not only by trade unions but also employers’ groups, for neglecting measures to stimulate economic growth. Unusually for a conservative government, Berlusconi’s is under open attack from the leading bosses’ federation, Confindustria. Alarm over the state of the economy also helps to explain the emergence in recent weeks of critical factions in the PdL, notably one centred on a former minister, Claudio Scajola, who resigned last year in an alleged corruption scandal. Bossi too has been having difficulty controlling the League where dissatisfaction is growing over his autocratic style of leadership. He was barracked at a congress last weekend in Varese, north of Milan, after he imposed a new, unelected local party secretary. Scajola said he and his followers would support the government on Friday and the PdL’s parliamentary business managers appeared confident they could muster enough votes in the 630-member chamber. There has been widespread media speculation that rebels in the Northern League and Berlusconi’s own party would prefer to wait until January before delivering a fatal blow to the government. That could clear the way for an election in the spring – before taxpayers start to feel the full effects of the tax rises and spending cuts imposed in recent months. But with Berlusconi’s approval rating below 25% in the polls, the right has a vast amount of ground to make up. The president, Giorgio Napolitano, does not have to dissolve parliament until 2013, however, if there is enough support for a cross-party “technical” government to steer Italy out of the eurozone crisis and perhaps recast the country’s much-criticised electoral system. A frequently mooted candidate for prime minister is the economist and former EU commissioner Mario Monti. Berlusconi discounted the idea in his speech to the chamber: “The problems of the country cannot be resolved by a technical government not democratically legitimated to make choices that in the present circumstance would also be unpopular ones,” he said. Silvio Berlusconi Italy Europe John Hooper guardian.co.uk
Continue reading …Letwin, the PM’s chief policy adviser, accused of security breach but spokesman says documents were ‘not of a sensitive nature’ Given his title – minister for the Cabinet Office – it would be a fair assumption that Oliver Letwin would have some cabinets in which to put his documents. But Cameron’s chief policy adviser has been caught on a number of occasions disposing of letters and documents in park waste paper bins. Letwin, a “policy fixer” in the words of one close Cameron aide, has been seen throwing the paperwork into bins, the Daily Mirror reported. The newspaper, which ran a picture of Letwin apparently about to drop papers into a bin while talking on a mobile phone, said they included correspondence on terrorism and national security as well as constituents’ private details. One document was said to describe how intelligence chiefs “failed to get the truth” on Britain’s involvement in controversial terrorist interrogations. The newspaper described his actions as a “security breach”, but a spokesman for the minister insisted that the papers did not contain any sensitive material. “Oliver Letwin does some of his parliamentary and constituency correspondence in the park before going to work, and sometimes disposes of copies of letters there,” the spokesman said. “They are not documents of a sensitive nature,” he added. Letwin is a polymath who has some idiosyncrasies. He talks openly about being an early riser, which stems from the period he worked for the bank NM Rothschild. Letwin still does an early circuit of St James’s Park, usually starting at 5:30am. In this period, he dictates sometimes as much as 90 minutes worth of letters for typing by his secretary during the day. Oliver Letwin Conservatives David Cameron Allegra Stratton guardian.co.uk
Continue reading …Do as I say, not as I do, dahling. Atlantic Wire blogger Alexander Abad-Santos finds Arianna Huffington's criticism of “our media culture” a bit hard to take, seeing how Huffington is a major culprit in perpetuating it. Abad-Santos writes — In an interview with CNN Money, Huffington talked about AOL's plan for growth, editor Michael Arrington's departure, TechCrunch and Crunchfund. Huffington, playing it cool, had nothing but warm words for Arrington. When asked why the story became as big as it did, Huffington replied, “Our media culture likes to obsess over non-stories, the balloon boy, the pastor who was going to burn or not burn the Koran, Casey Anthony. It's just unfortunately part of our culture we … have OCD over non-stories.” Abad-Santos proceeded to link to these non-stories … at Huffington Post — Click ahead for: Casey Anthony's dad on Doctor Phil, non-Koran burning , or balloon boy's parents auctioning off his balloon, cat hair covers or Michael Arrington's first post on his new blog.
Continue reading …Protesters in New York are preparing for a confrontation with police, as the owners of the park order a ‘clear-up’ • Follow @AdamGabbatt at the park from Thursday night The collection of sleeping bags, camping stoves and Macbook Airs that makes up the Occupy Wall Street stronghold in Lower Manhattan is about to be broken up. Four weeks after the first protesters took up residence at Zuccotti Park, what looks like a final showdown with the city authorities is looming. The owners of the park, Brookfield Properties, appear to have had enough of their uninvited guests and have ordered a cleanup to begin at 7am on Friday. On Thursday, representatives of the company distributed leaflets in the park saying that, following the clear-up, protesters will not be allowed to keep sleeping bags, tents, and other camping gear in the park. Nor will they be allowed to lie down on the benches or the ground. In effect, the camp is finished. Police have said all along that they would enforce the wishes of the park’s owners – Zuccotti is a private space that is open to the public under the terms of an agreement with the city authorities. Occupy Wall Street protesters called for supporters to gather at the park from 6am on Friday to defend it from what they said was an eviction attempt. Police say they will move in to enforce the clean-up from 7am. Some sort of confrontation appears inevitable. OWS spokesman Tyler Combelic told the ThinkProgress website: “We have decided that at 7 o’clock tomorrow, we will not leave the park. We are not opposed to cleaning it ourselves.” On Wednesday, protesters began cleaning up the park themselves. The New York Police Department told the Guardian that the park would be cleaned in thirds on Friday, in an operation that was expected to last 12 hours. Brookfield, the owners, said in the statement distributed to the park’s occupants: “Zuccotti Park is a privately-owned space that is designed and intended for use and enjoyment by the general public for passive recreation. For the safety and enjoyment of everyone, the following types of behaviour are prohibited in Zuccotti Park: Camping and/or the erection of tents or other structures; Lying down on the ground, or lying down on benches, sitting areas or walkways which unreasonably interferes with the use of benches, sitting areas or walkways by others. The placement of tarps or sleeping bags or other covering on the property.” Occupy Wall Street said the statement by the owners amounted to an “attempt to shut down #OWS for good”. OWS said in a statement on Wednesday: “Last night Mayor Bloomberg and the NYPD notified Occupy Wall Street participants about plans to ‘clean the park’ – the site of the Wall Street protests – tomorrow starting at 7am. ‘Cleaning’ was used as a pretext to shut down ‘Bloombergville’ a few months back, and to shut down peaceful occupations elsewhere. “Bloomberg says that the park will be open for public usage following the cleaning, but with a notable caveat: Occupy Wall Street participants must follow the ‘rules’. These rules include, ‘no tarps or sleeping bags’ and ‘no lying down.’ “So, seems likely that this is their attempt to shut down #OWS for good.” Whatever happens, the protesters have made significant gains. They have forced the media to take notice of them, and they appear to have made inroads with public opinion. A survey by Time magazine found that 54% of Americans have a favourable impression of the protests, with 23% reporting a negative impression. An NBC/Wall Street Journal survey, found 37% “tend to support” OWS, while 18% “tend to oppose” it. CBS News headlined a piece on its website : “Occupy Wall Street – more popular than you think”. Occupy Wall Street Protest New York United States Michael Bloomberg Matt Wells guardian.co.uk
Continue reading …Report finds that three-quarters of councils are failing to implement measures to protect vulnerable young boys and girls An inquiry into child sexual exploitation by gangs will be launched on Friday, as a report finds that three-quarters of councils are failing to implement measures to protect vulnerable young people. Fears about the rise in child sexual exploitation have being growing after high-profile cases of groups of mainly Asian men grooming teenagers for sex in Derby and Rochdale. The Office of the Children’s Commissioner (OCC) warned that the problem is more widespread and stereotyping of perpetrators could mean victims are being missed. The OCC is taking the unusual step of exercising its powers under the 2004 Children’s Act to investigate the scale of sexual exploitation of girls and boys by youth street gangs and other groups in England in a two-year study. Under the powers local authorities, police, health and education professionals and the judiciary will be forced to provide information about child sexual exploitation for the first time, said Sue Berelowitz, deputy children’s commissioner, leading the inquiry. “There is a huge gaping hole in our knowledge about this area. Children are being failed, they are subject to a most pernicious form of sexual abuse and they cannot access protection and support,” she said. “We believe this is happening in every part of the country and these children need to be protected.” Sexual, and often violent, exploitation of children and young people was happening throughout the country, often perpetrated by young people in street gangs, and not only by certain groups of men, she said. “It is a very worrying picture, with patterns that differ according to demographic and area,” she said. “In Derby it was Asian men but in [a recent case in] Torbay white men were involved. It happens in cities but also in rural areas. If it is happening in those areas it is happening everywhere.” A report by Bedfordshire University released on Friday reveals that three-quarters of councils have failed to put in place government guidance issued in 2009 to protect children from sexual exploitation. Professor Jenny Pearce, principle investigator of the two-year report, What’s Going on to Safeguard Children and Young People from Sexual Exploitation?, said some local authorities were turning a blind eye to abuse. “We are seeing only a quarter of LSCBs [local safeguarding children boards] being proactive and that is shameful. What worries me is that to ignore the problem is to collude in the abuse,” she said. The issue has come under the spotlight after a series of cases. In January the ringleaders of a gang in Derby who groomed girls for sex were given indefinite jail sentences, while in Rochdale nine men were found guilty of a series of sexual exploitation related offences. The report states that there is “no one model of how young people are sexually exploited”: 31% were exploited by a older “boy/girlfriend” but 27% of cases involved young people exploiting other young people. “Recent media attention has suggested predominance of exploitation through an organised network of perpetrators,” the report adds, but finds that this was only true of 18% of cases studied. Sue Jago, report author, said: “The danger is that local authorities think this only happens to a certain type of child by a certain group of men, and then they are blinkered to different models of abuse.” The study finds that less than half of all LSCBs collected data on exploitation, prosecutions of sexual predators was low and the experience of going through the court process often left abused children traumatised. It highlights a snapshot of 158 cases, that resulted in only 34 convictions which, it said “reflects the low number of cases reaching court [and] may also reflect the low number of people receiving appropriate support before, during and after the court proceedings.” Young girls, particularly in violent gang situations, were too often seen as part of the problem, rather than as abused children, said Berelowitz. “These girls are too often seen as transgressors or aggressors, rather than victims,” she added. “But the abuse of young girls by gangs and groups transcends the awfulness of anything I have ever seen.” Berelowitz detailed a case where girls of 11 and 12 were expected to give oral sex to lines of young men. Another example involved young women being offered as “payment” as part of a drug deal or girls associated with one gang being sexually abused as “payback” by another gang. The report suggests that the most vulnerable children are falling prey to sexual predators. Sexually exploited young people studied were up to four and a half times more likely to be accommodated in residential care, just under half were known not to be attending school while 41% were already in contact with children’s services. The minister for children and families, Tim Loughton, welcomed the inquiry and said the findings of the Bedfordshire study would help inform a government action plan expected next month. “Child sexual exploitation is an appalling form of child abuse and we are determined to do everything possible to stamp it out,” he said. “LSCBs have a key role in tackling child sexual exploitation but too many are not taking the issue seriously enough and abuse is often remaining hidden from view. Raising awareness must be a priority along with tackling the difficulties that young victims and their families can face in getting justice.” ‘She was making me do stuff with them’ Sarah was fifteen when she ran away from home last year after a series of fights with her mum and step-dad in her Yorkshire home. She had nowhere to go, and when a girl her own age who she hung around with, and knew from school, said she’d give her a place to stay she was grateful. “She said she was looking after a house and I didn’t have anywhere to go,” said Sarah. She slept at the house for a few nights, but soon visitors, a group of men, started coming to the flat. “Before I knew it she was making me do stuff with them I didn’t want to do,” she said. The men, who she thought were a group of friends, were nice to her at first. “They keep on giving you stuff, buying me stuff. But the girl I was with was pressuring me and saying she’d give me weed and whatever, but she was doing it so she could get her weed and beer and money.” The girl took away her keys and locked the door. Sarah was frightened, she thought about phoning the police but feared what the consequences would be. “I was feeling proper scared, like if I said no she would do something. It made me feel upset and sick.” At the end of two weeks Sarah was allowed out of the house, and found support at a Children’s Society project based in Keighley and Bradford. Although she sometimes still sees her abusers, she feels she is stronger and more aware of the dangers now and wouldn’t be abused again. “Before I didn’t want to talk about it but there are people who listened to me, and I got it all out. I’ve moved away from the place where it happened, it’s behind me now.” • Names have been changed in this section to protect the identity of the speaker. Child protection Children Social care Alexandra Topping guardian.co.uk
Continue reading …Click here to view this media Rep. Virginia Foxx (R-NC) denied Thursday that a bill that would allow hospitals to refuse treatment to pregnant women was misogynist, adding that “nobody has ever fought more for the rights of women than I have.” In a speech on the House floor, Rep. Jackie Speier (D-CA) explained why she believed “The Protect Life Act” was a step backward for women’s reproductive rights. “I think this bill goes to the farthest extreme in trying to take women down, not just a peg, but take them in shackles to some cave somewhere,” she said. “Twenty-five years ago, this body passed [The Emergency Medical Treatment and Active Labor Act (EMTALA)], a bill that basically said that anyone that shows up at an emergency room would access health care, no questions asked. Now, my colleagues on the other side of the aisle want to amend that law and basically say, ‘Oh, except for a woman who is in need of an abortion, or except for a woman who is bleeding to death who happens to be pregnant. Or except for a woman who is miscarrying.’ Basically, what this bill would do is say that any hospital could decline to provide services to one class of people in this country and that one class of people are pregnant women.” Speier added: “What my colleagues on the other side of the aisle are attempting to do is misogynist. It is absolutely misogynist.” Foxx responded by charging that Democrats were “outside the mainstream” for wanting to use taxpayer funding for abortions. “For my colleagues across the ailes who say that this is a misogynist bill, nobody has ever fought more for the rights of women than I have,” she declared. “Fifty percent of the unborn babies that are being aborted are females. So the misogyny comes from those that promote the killing of unborn babies. That’s where the misogyny comes in, Madame Speaker.” In the past six years, Foxx has voted against abortion rights at least nine times . Family planning advocates claim that an amendment introduced by the congresswoman in May was designed to prevent doctors from being properly trained to perform abortions. “Once again, instead of focusing on improving access to health care, opponents of women’s health are manipulating the legislative process to undermine women’s access to and information about comprehensive reproductive health care services,” Planned Parenthood Federation of America’s Dawn Laguens said in a media advisory . Democrats have called House Republicans’ latest effort a waste of time because “The Protect Life Act” would never be passed by Democrats in the Senate or signed into law by President Barack Obama. “Under this bill, when the Republicans vote for this bill today, they will be voting to say that women can die on the floor of health care providers,” House Minority Leader Nancy Pelosi (D-CA) told reporters Thursday. “I can’t even describe to you the logic of what they are doing today.”
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