Liz Jarvis MP: speeches

Speeches

• 25 Feb 2026 · Student Loan Repayment Plans · Hansard source

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  I have heard from many young constituents who are frankly pretty despondent right now. They have endured a global pandemic. They are grappling with the cost of living crisis, a housing crisis and difficulties in securing entry-level jobs. On top of that, they carry the incredible burden of large student loans, made ever larger by high interest rates and a frozen repayment threshold, leaving many feeling they will never be free of it. We need to acknowledge that an entire generation of graduates on plan 2 student loans have essentially been mis-sold their loans. One constituent told me about their son who, despite repaying his loan for five years, has seen his balance increased by 33%. How can that possibly be justified? The cumulative impact of successive changes to the terms and conditions of student loans in England has fundamentally undermined confidence in the system. The threshold has been moved around haphazardly by successive Governments, being regularly frozen, including by the current Government. Many students were told that this was manageable debt, but in reality it has developed into something totally different from the graduate contribution system it was intended to be. The repayment threshold was supposed to rise with earnings. The previous Conservative Government’s decision to freeze it was a needless move to take money away from graduates. It is a stealth tax. According to the money-saving expert Martin Lewis, the most direct thing that would help all students would be not to freeze the repayment threshold. Will the Minister look at that as a matter of urgency? Student loans also impact the ability to get a mortgage because they are used for affordability calculations. There must be an immediate reversal of the repayment threshold freeze, and RPI should no longer be used to calculate interest.

• 16 Dec 2025 · Planning Reform · Hansard source

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  I welcome the explicit protections for chalk streams—something I have long campaigned for, as the River Itchen runs through my constituency. Will the Minister also guarantee that local plans will be strengthened by the NPPF overhaul and that community input will not be undermined?

• 13 Nov 2025 · Planning and Infrastructure Bill · Hansard source

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  I will focus my comments on Lords amendment 38. I have heard from many constituents who are deeply concerned about the potential environmental impact of this Bill and how it might affect the River Itchen, the precious chalk stream that runs through my constituency of Eastleigh. The River Itchen is a site of special scientific interest and a special area of conservation, but despite these designations, it has been subjected to repeated sewage discharges by Southern Water, threatening its delicate ecosystems and putting species at risk. We have incredible natural habitats that are being destroyed because existing protections have failed. Indeed, in the latest Environment Agency assessment, Southern Water was handed a two-star rating after causing a shocking 269 pollution incidents last year, including 15 classified as serious. According to the 2024-25 chalk stream annual review, 83% of England’s chalk streams are failing to achieve good ecological status, which is disgraceful. That is why Lords amendment 38 is so important to my constituents and to communities across the country who live alongside these extraordinary habitats. There is no reason why we cannot have a thoughtful planning process that protects our precious natural environment and delivers the social and affordable housing that our communities desperately need, with the infrastructure to support it. We have an opportunity to show that development and environmental responsibility are not competing interests, but shared objectives. By embedding these principles in the Bill, we can address the housing crisis while simultaneously protecting our rivers, habitats and green spaces. Lords amendment 38 would establish much-needed new protections for chalk streams and impose a responsibility on strategic planning authorities to enhance chalk stream environments. I saw the urgent need to address this issue when I visited with representatives of the Hampshire & Isle of Wight Wildlife Trust this summer, when I was able to test the water quality of the River Itchen. With the help of experts, we saw at first hand the very low levels of biodiversity and high nitrate levels. I fully support the proposition that spatial development strategies must list chalk streams in their strategic area, and safeguard them from irreplaceable damage by outlining clear measures to protect from environmental harm. Greater and appropriate consideration for our chalk streams is long overdue. I welcome the fact that, under Lords amendment 38, local spatial development strategies would vary according to the needs of the particular area, allowing strategies to set different balancing points between local conservation and development needs in different places. It is disappointing that the Government are unwilling to retain the amendment. Will the Minister instead commit to strengthening existing planning mechanisms and ensure that water companies are held to account, so that chalk streams are protected? This is such an important issue for my constituents, and anything less than a cast-iron guarantee is not good enough. People across the country deeply value and treasure our natural environment. We need to deliver the housing and infrastructure that are vital for our communities, but let us not treat our chalk streams, wildlife and habitats as an afterthought.

• 28 Oct 2025 · Support for Disabled Veterans · Hansard source

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  I agree with my hon. Friend. Too often, the system fails to provide a simple, supported handover to civilian healthcare, or advice on housing, employment and benefits. Charities and veterans’ groups are calling for an independent review of the medical discharge process across all services to make it consistent, compassionate and genuinely supportive, so that no disabled veteran falls through the cracks, or is left without the best possible support.

• 28 Oct 2025 · Stamp Duty Land Tax · Hansard source

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  Stamp duty land tax is one of the most unfair and outdated taxes in our system. It punishes aspiration, locks people out of home ownership and blocks up the housing market. I have heard from constituents who are first-time buyers struggling to get a foothold on the housing ladder because of the amount of stamp duty they are expected to pay. Eastleigh’s Liberal Democrat-run borough council has a strong record of building homes to meet local demand, but according to the Office for National Statistics, the average price of a house in Eastleigh is still £313,000, which is unaffordable for many. It is simply wrong that the dream of home ownership has drifted so far out of reach of so many people. My constituent Tom and his wife are a young couple who have spent the past two years desperately trying to buy their first home. In the haste to get the purchase through before the end of the stamp duty holiday, they missed key checks and accepted extra costs just to complete the purchase. As someone who grew up in rented accommodation, with everything that goes with it, I find it so incredibly disappointing that, at a time when we should be doing everything possible to make home ownership accessible, the system instead creates obstacles for those simply trying to put down roots and start a family in a home of their own. As we know, there is a housing crisis. The private rental market is expensive and insecure, far too few homes are available for social rent and poor-quality housing is damaging people’s health. The Government must tackle the root causes by increasing the building of new homes to 380,000 a year, including 150,000 social homes a year, ensuring that every community has access to secure and genuinely affordable housing. The entire system of property taxation from council tax to stamp duty is wholly unfit for purpose. Reforms must be fair, comprehensive and forward looking. That means setting out a clear plan, not an uncosted headline or a short-term Treasury grab. I hope the Government will replace this outdated, unfair tax with a modern, more efficient system that supports social mobility and economic growth, and that reignites the dream of home ownership for all generations, but I am afraid I will not be supporting this ill-thought-out and uncosted motion.

• 27 Oct 2025 · Topical Questions · Hansard source

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  T8. Many young care leavers living in supported housing want to increase their hours at work but find themselves caught in the benefits trap. YMCA Eastleigh tells me that this is impacting care leavers in my constituency. What recent discussions has the Minister had with Cabinet colleagues on reforms to the tax and benefit system to make work pay for young care leavers?