Cold and Damp Homes

I beg to move,

That this House has considered the matter of cold and damp homes.

Thank you for calling me to speak, Mr Western; this is the first time that I have served under your chairship. I rise to speak about a crisis that continues to affect millions of people across the UK and goes to the very heart of the inequality, inefficiency and injustice embedded in our housing and energy systems.

I welcome the Government’s new warm homes plan, which includes the warm homes social housing fund and the warm homes local grant, through which social housing residents, lower-income householders and renters will receive funded energy efficiency upgrades, including insulation and low-carbon heating. However, there are a number of opportunities to truly protect all from living in cold or damp homes.

As part of its United for Warm Homes campaign, Friends of the Earth published a joint report in 2024 with the Institute of Health Equity, “Left Out in the Cold”, which is one of the most comprehensive documents on the issue. It reveals that 9.6 million households in this country—nearly one in three homes—are at risk of living in cold, damp and energy inefficient homes. Many of them are in constituencies like mine.

Leeds is home to a vibrant mix of residents: young professionals, students, families and retirees. It has a range of housing, much of it Victorian and Edwardian stock that is woefully under-insulated. In my constituency, Leeds Central and Headingley, 44.8% of constituents live in private rentals, compared with a national average of 19.4%. Citizens Advice found that one in three private renters could not heat their homes to a comfortable temperature over winter 2024, with millions living in damp and mouldy conditions. Last summer, 40% of renters—4.3 million people, including 1.16 million children —were living in a home with mould or damp. That is very concerning, given the impact that cold and mould can have on people’s physical and mental health, as well as the high energy bills that people face when they need to heat draughty homes.

This crisis does not start and end in winter. Cold, damp and poorly ventilated homes cause year-round problems, from exacerbating asthma and bronchitis to increasing anxiety, depression and other mental health conditions. My office frequently receives damp and mould cases and works closely with the private rented sector team at the council to resolve them. All too often, constituents are told that the issue is their fault. They are typically blamed for drying laundry indoors or for not opening windows.

The problems usually worsen over time and become much harder to fix. My constituent Angela reported damp last year, but the issue persisted into this year. By then, water was dripping from the living room and kitchen ceilings. She had been diagnosed with a lung infection, which the GP linked directly to the damp conditions in her home. She was eventually forced to live exclusively in her bedroom, which was the only room that was less affected.

My constituency is home to the highest population of students in England and Wales. Student accommodation is often rife with damp. Large house shares are often the only economical option for full-time students. Student houses of seven or more struggle to balance keeping the house warm with ventilating it from drying laundry, cooking and bathing. I have heard from students in my constituency who are not even given autonomy over their heating, which their landlord controls remotely.

Students are living with year-round cold symptoms that are due to the quality of their housing. As their tenancies run year to year, damp issues are often painted over, both physically and metaphorically, by landlords who know that a fresh cohort of tenants will be in within 12 months. Ongoing respiratory issues, possessions ruined by damp and cold, the feeling of insignificance and being disregarded by the landlord—these are not the standards that we should be setting for students’ quality of life in this country.

Indoor air quality is a large part of the problem. Breathe Easy Homes, which is delivered by Care and Repair in partnership with Leeds city council and the integrated care board, works to address issues with indoor air quality that can trigger attacks in children with a diagnosis of asthma or other respiratory conditions. The team is working hard to ensure that all families have safe living conditions, but the battle with damp is relentless.

It is not a new statement that cold and/or damp homes exacerbate existing health inequalities. However, too many people are forced to survive in day-to-day, all-consuming living conditions. Today’s debate is an opportunity to focus on how the warm homes plan can go further to ensure that all barriers are removed to securing warm homes for all. That includes the 9.6 million homes that are at risk of being cold, damp and energy-inefficient.

The Government’s warm homes plan will be a vital step to delivering home upgrades for millions of people, to make their homes warmer and healthier, and reduce their bills. We also welcome the Government’s plans to extend Awaab’s law to the private rented sector through the Renters’ Rights Bill and to update minimum energy efficiency standards to energy performance certificate rating C in the private rented sector.

A researcher at the University of Leeds, Rebecca Sale, is examining the impacts of poor indoor air quality. Her research shows how we spend up to 90% of our time indoors. Indoor air pollution can be hard to manage; the pollutants are invisible and are produced from everyday products and practices. The quality of the air is important for atmospheric services in the home, which includes the provision of suitable air for respiration, the regulation of heating and cooling, and the state of the air for comfortable living.

Indoor air quality is much less recognised than outdoor air quality. Damp and mould may be particularly prevalent in UK households due to draughty and leaky buildings. That partly relates to the legacy of coal burning in homes, which necessitated high levels of ventilation. Rebecca’s research explains how it can be hard to achieve a balance between insulating homes to improve energy efficiency while also allowing ventilation to maintain good indoor air quality. New building standards and regulations have meant that buildings are highly insulated and airtight. Although that makes homes warmer in winter, in hotter periods there is an increased requirement for ventilation. Insulating a home or making it more airtight can increase the incidence of mould if moisture is not being ventilated out of the home.

Older people, pregnant women, children and babies are especially vulnerable to the health impacts of indoor air pollution. A well-known and extremely important example is that of Awaab Ishak, the two-year-old boy from Rochdale who tragically died in 2020 as a result of respiratory arrest caused by the damp and mould in his family home. We know how important indoor air quality issues are, so I thank the Government again for extending Awaab’s law to the private rented sector, in which many children live.

Many older people still struggle to heat their home during winter, particularly those who are just above the pension credit limit and so no longer receive the winter fuel payment; I have met many people in that situation on the doorstep. It is therefore clear that we need an all-round, holistic and comprehensive approach to overcoming the problem of cold and damp homes.

Upgrading homes is one of the key ways in which the Government can put money back into people’s pockets while improving living standards. For the warm homes plan to be successful, it must ensure that upgrades are affordable for low-income households by providing grants tapered by household income and introducing Government-backed low interest rate loans for households that cannot afford to borrow money to carry out the work that is needed.

We also need to overhaul the consumer protections landscape to ensure that people are confident in the process and can easily put things right if they go wrong. We are encouraged by the announcement from the Department for Energy Security and Net Zero that it will address the current patchwork of protections that allow rogue traders to operate in this area. The Government need to provide access to free, independent and personalised advice throughout the home upgrade journey, including additional case-handling support for vulnerable households, which may need more support. Additionally, energy-inefficient homes are responsible for some 14% of the UK’s carbon emissions. Meeting our net zero targets will be impossible without tackling them.

I urge the Minister and colleagues across the House to join me in calling for a fully funded nationwide warm homes plan; a legal commitment to bring all homes to EPC rating C by 2035; fair support for renters and the most vulnerable, particularly our youngest and our eldest; and recognition that this is not just a housing issue, but a public health issue, an economic issue and a moral issue.

It is a pleasure to see you in the Chair, Mr Western. I congratulate the hon. Member for Leeds Central and Headingley (Alex Sobel) on bringing this important subject to Westminster Hall. The state of our private rental properties is an appalling open secret. One in four private renters live in fuel poverty; 1.6 million children are living in privately rented homes that are damp or mouldy. That is a shocking situation.

As we know, the UK has some of the oldest and coldest houses in Europe. More than half of tenants had issues with damp or mould last year. In my constituency of Bath, 31% had problems with hot water or heating, and 21% of privately rented homes do not meet the decent homes standard. These numbers are simply not acceptable. We need tougher inspections and much higher standards.

As the hon. Member for Leeds Central and Headingley has pointed out, serious health risks can arise from mouldy and damp conditions. It was not long ago that a toddler in Rochdale died from prolonged exposure to black mould, yet MPs still hear every winter from constituents who are dealing with terrible cases of damp and mould. A constituent in Bath recently wrote to me that their walls are black with mould. Now, after months of relentless coughing, they have been referred for asthma testing. Another constituent described fungi growing up from the floor. Damp and decay have already damaged their belongings, and now they fear that the place they call home is no longer fit to live in.

Such cases are prevalent across the country. One in four of the complaints that Citizens Advice receives is about disrepair, damp, mould or excessive cold. Is it any wonder that the NHS spends £1.5 billion every year treating respiratory illnesses? There have been small-scale trials in which heating vouchers were given to at-risk households as a preventive measure, helping to avoid illness and reduce pressure on health services. Why not roll it out nationally?

I call the Chair of the Housing, Communities and Local Government Committee.

It is a pleasure to serve under your chairship, Mr Western. I apologise for my one-minute lateness. I pay tribute to my hon. Friend the Member for Leeds Central and Headingley (Alex Sobel) for his excellent opening speech. I recognised a number of the points that he outlined, because the issue comes up in my inbox from my constituents across Vauxhall and Camberwell Green.

Like the Leeds Central and Headingley constituency, Vauxhall and Camberwell Green is home to a large number of students and young people who are just starting out in work. As we all know, many of them end up at the cheaper end of the housing market, often in smaller, older properties that may be more susceptible to damp and expensive to heat. We must not think, just because a person is young, that such homes are not extremely damaging to their health. Imagine a young person trying to revise for their final exams in a cramped room where damp crawls up the wall. Some will be trying to save for a deposit and get a foothold in a career, all the while knowing that every day after work, they return to a home that will make them physically and mentally ill. That is the reality for so many people across the country.

Many want to tackle the situation directly with their landlords, but they are afraid of being evicted into a housing market where they can barely find somewhere else to live and barely afford somewhere else. That is unacceptable at any age. It is critical that the Renters’ Rights Bill is successful not only in addressing the misbalance between landlords and tenants, but in helping councils to ensure that every home is safe and properly fit for habitation.

We must also tackle the stigma around social housing. An attitude is developing that people in social housing are lucky to have a home. It is not a privilege to have a home, or to have a home that is not covered in damp and mould. That is the bare minimum that any of us should expect, yet many tenants have been told that the cold and damp in their homes is their fault. They have been told to open the windows, even in the cold months, to avoid mould. Why should people be expected to freeze because their home is not fit for purpose? Yet that is what we are asking many people to do up and down the country.

Does the hon. Lady agree with my social housing provider, Curo, that it is impossible for social housing providers to both build the new social and affordable homes that are required and maintain homes to a decent standard?

I thank the hon. Member for making that important point, which many registered social landlords and local authorities have raised with the Select Committee in various evidence sessions. They are struggling. Many housing associations are saying that they are spending more on repairs and maintenance than actually building. They all want to contribute and support the Government in their agenda to build 1.5 million new homes, but, frankly, they are struggling. That is why I welcome the Government’s commitment to increase rental properties’ energy efficiency, so that no tenants end up paying extortionate energy bills in inefficient homes.

What steps has the Minister taken to work with councils to give them not just extra powers, but the real ability to enforce standards in cold and damp homes across the housing sector, as the hon. Member for Bath (Wera Hobhouse) has just highlighted? What support is the Minister providing so that they can maintain their own stock and not leave social housing tenants facing unacceptable conditions?

We are coming into the summer months, when a number of tenants will be able to enjoy their homes, but winter is just around the corner. It is important that the Government lay out the additional work they will do with private rented and social landlords to tackle this important issue.

It is real pleasure to serve under your chairmanship, Mr Western. Like the hon. Member for Vauxhall and Camberwell Green (Florence Eshalomi), I apologise for being approximately 55 seconds late, but we were rushing. Thank you for helping us and for letting us take part in the debate.

I thank the hon. Member for Leeds Central and Headingley (Alex Sobel) for leading today’s debate on this important issue. He set the scene admirably. All the detail that he gave helps all of us to focus on what we need to do. This is one of those issues that arise in all parts of the United Kingdom of Great Britain and Northern Ireland. We all hear of these issues from our constituents. The hon. Member for Bath (Wera Hobhouse) referred to her constituents and the information she gets from them; we all can say the same. Cold and damp are among the biggest problems when it comes to housing in my constituency.

As chair of the healthy homes and buildings all-party parliamentary group, I am fully aware of the problems of cold and damp in domestic homes and commercial buildings. I hear about it from my constituents regularly. Some 60% of the housing cases my staff deal with are transfers, and 40% of those are about damp and mould. Some of the pictures that they have seen are extraordinary, so it is good to be here to discuss the issue and see what we can do.

I am very pleased to see the Minister in his place. He responds to the questions we ask with honesty and clarity. We look forward to the answers that we will get today.

According to National Energy Action, approximately 40% of households in Northern Ireland are classified as being in fuel poverty, meaning that they spend more than 10% of their income on energy costs. That, I think, highlights the issue for many, especially at a time when money is tight and people are not able to stretch it as far as they would like. In addition, social housing stock in Northern Ireland is notably energy inefficient. Many homes lack adequate insulation, leading to higher housing costs and more vulnerability to cold and damp conditions.

It is an honour to serve under your chairmanship, Mr Western. I thank the hon. Member for Leeds Central and Headingley (Alex Sobel) for securing this important debate. As he rightly set out, many of our issues stem from the fact that so much of our housing stock dates to the Georgian and Victorian periods. I draw attention to my entry in the Register of Members’ Financial Interests.

My hon. Friend the Member for Bath (Wera Hobhouse) rightly pointed out that the UK has some of the oldest and coldest homes in Europe, and that the NHS is spending £1.5 billion a year on treating respiratory illnesses. Hopefully, investing in warmer homes would bring down that cost. In Wales alone, over 600,000 households—nearly half of all Welsh homes—are estimated to be in fuel poverty, with more than 100,000 in extreme fuel poverty. The crisis is not just about rising energy bills or cold weather; it is rooted in the very buildings we live in. The UK and Wales especially, as we have heard, have some of the oldest housing stock in Europe. Many of the homes in Wales were built before 1919, long before insulation or energy efficiency were even considered. As a result, a huge number of houses are cold, damp and impossible to heat efficiently. Many still rely on outdated boilers, lack double glazing or have walls that leak heat faster than we can generate it.

The consequences are not just physical discomfort or financial strain; cold homes are making people sick. They are contributing to the incidence of respiratory disease, heart conditions, mental health issues and, tragically, avoidable deaths in winter. This is costing every single one of us. The NHS in England alone spends around £1.5 billion a year treating conditions linked to cold and damp homes. In Wales, the annual cost is estimated to be £67 million. That money could be spent on frontline care, rather than on treating problems that could have been prevented by better housing.

It is a pleasure to serve under your chairmanship, Mr Western. I welcome the Minister to his place and congratulate the hon. Member for Leeds Central and Headingley (Alex Sobel) on securing this debate.

It was the English Army officer and playwright Guy du Maurier who wrote that every Englishman’s home is his castle. In that phrase, he summed up the immense feelings of pride and belonging that people should feel about their home. Whether they are homeowners or renters, it should always be the case that everyone in this country—every child, every parent, every pensioner—can live in a home that is warm, dry and safe. I know that all colleagues in this House will agree that that should be the bare minimum.

The hon. Member’s timing in calling this debate is, as usual, perfect—it is almost as good as his timing in arriving at the debate with 30 seconds to spare. Maybe he should think about entering a marathon with sprinting like that—

This Sunday!

Good luck to him—I hope he sends his sponsorship details to every Member in the House. He outlined a very important case. Whatever party and constituency we represent, we will all have received the bog-standard response from a housing association or council saying that residents who have damp and mould have had their mould wash put in, and they need to keep their windows open and they need to stop using the tumble dryer indoors.

It is not good enough. All Members in this House need to push harder on the sector, and we need to push harder in raising the concerns of our constituents who have those problems. We must all do better, and there is much more to do.

In that spirit, I refer to the fantastic speech of the hon. Member for Bath (Wera Hobhouse). She set out the clear conflict in the social sector between building more homes and ensuring investment to keep standards up in the housing stock. Those concerns have been raised by the sector with me, as shadow Housing Minister. I would not go as far as to say that I agree with the hon. Lady that it is impossible, but it is certainly a lot harder. I myself used to work for the largest housing association in the United Kingdom. We consistently had a line back to the previous Government; we wanted to be ambitious, and we absolutely wanted to commit to making sure that we had decent homes. The issue is that, with homebuilding targets relying on the old profit model, not-for-profit companies get stuck trying to deliver those targets. We need to do better at making sure that the sector is supported.

I am a great fan of the Chair of the Housing, Communities and Local Government Committee, the hon. Member for Vauxhall and Camberwell Green (Florence Eshalomi). She said that there is still a taboo around social housing. She is absolutely correct. I am proud to have grown up on council estates in New Cross, Bermondsey and then Lewisham. My parents still live in their council house. In all parties, we should express our support for people who live in council housing. For many, it is a great step up and a security blanket. I would be the first to admit that the last Government did not go far enough in supporting the housing and social sector. I am determined to change that, because I was created and grew up in the sector myself.

I thank the shadow Minister for his open and honest speech. I know that he cares passionately about this area. Does he agree that the previous Government could have helped on the really important issue of no-fault evictions? So many tenants were in properties where there was too much damp and mould, did not say anything through fear of being evicted, but then lo and behold, found themselves being evicted through no fault of their own.

The hon. Lady is correct to say that there are areas in which we could have gone further. Some of that could have been met by actions we brought forward, such as a new housing ombudsman and making sure that regulation was better, but I do not think we worked at pace to do that as fast as we could. We need to learn from that, as I said openly to the Minister. I congratulate him on his position, as there is no one in the House who knows more about the housing sector than him, having prepared the manifesto. We may disagree vehemently about it at times, but I cannot knock his talent and expertise. That is where we will offer to work with the Government on making those great strides.

It is utterly unacceptable in 21st-century Britain that any family should be put in danger because of where they live. Everyone, regardless of background, income or postcode, deserves to live in a decent, safe and secure home. The last Government’s consultation on Awaab’s law proposed sensible timelines. Landlords must investigate hazards within 14 days, act within a further seven, and complete emergency repairs within 24 hours. I welcome this Government’s commitment to implementing the law from October. That implementation must be timely, thorough and enforced, and they will have our support in doing so.

It is important to highlight that providers across the sector continue to invest in their existing stock to drive up standards. The previous Government oversaw the halving of the number of non-decent homes in the social housing sector since 2010, but the cost associated with these new requirements will likely require a rise in rents and service charges, which present their own associated challenges to an overburdened sector. As L&Q Group—not the housing association I worked for, but its rival—noted

“providers across the sector invested £37 billion in bringing homes up to a decent standard, at an average cost of £10,000 per home.”

But without additional Government support, this pace will slow, adding more pressure on renters. As the hon. Member for Bath outlined, it will also slow house building in this sector for the people who most need it, and it will harm the Government’s 1.5 million housing target.