Summary

  • Rishi Sunak and Keir Starmer clash on mortgages and the cost of living at Prime Minister's Questions

  • Starmer says people are paying more for their mortgages because the Conservatives "crashed the economy"

  • But Sunak says there's support for mortgage holders, and that recent tax cuts will save people "hundreds of pounds"

  • Starmer also calls on Sunak to call a general election, "so the whole country can move on"

  • But the prime minister says the Conservatives' plan is working, and that a Labour government would be "back to square one"

  • This week's session comes as the UK government prepares to publish a deal that could restore power sharing in Northern Ireland

  • Sunak says the deal promises a "brighter future" for Northern Ireland, with details being announced this afternoon

  • Keir Starmer also welcomes the deal, announced in the early hours of Tuesday, calling it an "important moment"

  1. That's all for nowpublished at 14:00 Greenwich Mean Time 31 January

    Nathan Williams
    Live reporter

    That's it, we're wrapping up our coverage of PMQs - thanks for following along with us.

    It was another rowdy affair, with the Speaker Lindsay Hoyle intervening several times, as we've mentioned.

    We may be finishing this page, but it's a busy news day - and you can follow our live coverage on other stories:

    This page was brought to you by Oliver Slow, Barbara Tasch, Tara Mewawalla, Sam Francis, Mattea Bubalo, Arryn Moy, Ece Goksedef, Jasmine Taylor-Coleman and me.

  2. What we heard todaypublished at 13:53 Greenwich Mean Time 31 January

    Rishi Sunak is answering questions in the Commons

    Another rowdy PMQ has come to an end in the House of Commons.

    It started with the Speaker of the House, Lindsay Hoyle, warning both parties to practice self-restraint in their choice of words. During the debate, Hoyle also repeatedly asked both sides to calm down as jeers rose from the backbenches during key exchanges.

  3. BBC Verify

    Paying £10 and getting £2 backpublished at 13:36 Greenwich Mean Time 31 January

    The cost of living featured prominently in Starmer's questions for Sunak earlier.

    Starmer said to the prime minister: “For every £2 he says he's giving people back, he's taking £10 out of their back pocket in higher tax."

    These figures also appear on a Labour poster, unveiled as the government introduced a cut in National Insurance (NI) this month.

    The claim is based on forecasts from the Office for Budget Responsibility (OBR), external.

    But those forecasts are for 2028-29, so it is misleading to apply them to the present day.

    What the OBR said was that the amount of extra money that the government would raise in 2028-29 from its previous tax measures would be the equivalent of about an extra 10p in the pound on the main rate of NI.

    And Sir Keir was contrasting that with the 2p in the pound cut in NI.

    You can read more about it here.

  4. Sunak and Starmer welcome progress on NI power-sharingpublished at 13:19 Greenwich Mean Time 31 January

    Media caption,

    PM thanks DUP for 'significant steps' taken in NI talks

    At the top of PMQs, Sunak thanked the DUP for taking "significant steps" in talks to restore power-sharing in Northern Ireland.

    He praised the DUP for moving forward and the patience the other parties in Northern Ireland have shown.

    Starmer says this is "important moment" and now all sides are needed to get Stormont working again.

    The details of the deal between the DUP and the government have now been published. Our colleagues are going through it and bringing you all the details, analysis and reaction in this live page.

  5. PM asked about blind people being excluded from the workforcepublished at 13:12 Greenwich Mean Time 31 January

    Marsha De Cordova asks her question to the PM in Commons

    Marsha De Cordova, the Labour MP for Battersea, brings up polling that suggests nearly half of employers exclude blind and partially sighted people. She asks if the prime minister will meet with her to discuss how a more inclusive workforce can be created.

    Sunak responds by saying he shares the ambition for a more inclusive workforce, and says it is something the work and pensions secretary is looking closely looking at, including ensuring the accessibility plan is up to date.

  6. Jenrick calls on PM to cut stamp dutypublished at 13:08 Greenwich Mean Time 31 January

    Robert Jenrick speaks at the Commons

    Former housing secretary Robert Jenrick says house building is weakening and the government need to do more

    He calls on the PM to refresh plans to cut stamp duty, first introduced by Sunak when he was chancellor to keep the housing market alive during lockdown.

    Sunak says tax matters are for the chancellor, but stamp duty relief means the "vast majority of first-time buyers" already pay no stamp duty.

  7. 'Our party follows all laws', says PMpublished at 13:02 Greenwich Mean Time 31 January

    We'll now return to the questions from MPs for the prime minister earlier.

    Labour MP Dawn Butler said that on 6 January the prime minister tweeted a link to the Conservative Party website which "seemed to scrape people's data and place unwanted cookies on their machines". She says the Good Law Project is now pursuing this.

    "Can the PM assure the house that no laws have been broken by his party?", she asks

    "Of course our party follows all laws", the PM replies with a chuckle.

    Labour MP Dawn Butler asks questions to the PM in Commons
  8. BBC Verify

    Starmer's claims on fixed-rate mortages are higher than figures suggestpublished at 12:57 Greenwich Mean Time 31 January

    As you saw in our previous post, mortgage costs were a big topic in this week's PMQs.

    In one exchange, Sir Keir Starmer said: "There are 200,000 people… coming off fixed-rate mortgages and paying more each and every month.”

    Figures from UK Finance, which is the trade body for the banking and finance industry, suggest that’s a bit high.

    Its mortgage data says, external that around 1.6 million fixed-rate deals are due to end in 2024, which is about 133,000 a month.

    The Office for National Statistics said this time last year, external that most fixed-rate mortgage deals coming to an end in the next 12 months were set at interest rates below 2%.

    The financial information service Moneyfacts says the average 2-year and 5-year fixed residential mortgage rates are both above 5%.

  9. Watch: Starmer mocks PM over ex-minister struggling with mortgagepublished at 12:53 Greenwich Mean Time 31 January

    Earlier, Starmer asked Sunak about Tory MP George Freeman who left his ministerial job as he could not afford his mortgage.

    Starmer joked that "nobody could be failed to be moved" by the plight of the Norfolk MP.

    Sunak responded by saying that millions of mortgage holders were benefitting from the mortgage charter the chancellor introduced last year. He said there was practical support in place to help people save money on their mortgage.

    Media caption,

    Starmer mocks PM over ex-minister struggling with mortgage

  10. Tory MP raises Post Office scandal and community bankingpublished at 12:52 Greenwich Mean Time 31 January

    Jo Gideon is asking her questions to the PM in Commons

    Jo Gideon, Conservative MP for Stoke-on-Trent-Central, has asked whether the PM agrees that in light of the recent Post Office scandal, new community banking solutions should be developed rather than giving the Post Office sole responsibility for providing access to cash and other banking services in some areas.

    Sunak says we shouldn't conflate this scandal with the actions of many hard-working local postmasters and says the new Financial Services and Markets Act protects the access to cash.

  11. More will be done to solve shortgage in dentists - Sunakpublished at 12:48 Greenwich Mean Time 31 January

    Tory MP Selaine Saxby says the number one reason for children’s hospital admissions in her North Devon constituency is dental treatment - a point repeatedly raise by Labour recently.

    There are not enough dentists, even with large “golden hello” pay offers, she complains.

    Sunak says the government is investing £3bn a year and has reformed contracts for dentist to offer “more renumeration”. But “more needs to be done” and that is why a Dentist Development Plan will be published shortly.

    Tory MP Selaine Saxby asks a question to Rishi Sunak in Commons
  12. Lib Dem leader presses PM on quality of NHS carepublished at 12:43 Greenwich Mean Time 31 January

    Liberal Democrat leader Sir Ed Davey is asking questions to the PM in Commons

    Let's bring you some more of the debate at PMQs now. Lib Dem leader Ed Davey has asked the prime minister about the NHS and the care system.

    He says one of his constituents, Millie, a wheelchair user, had a serious accident at a sporting event and was left waiting in pain for "over two hours" before an ambulance arrived.

    During her months in hospital since, he says she has been dropped "badly, multiple times", left "stuck in her bed for days" and has been told to "soil" herself when there's no one to take her to a toilet.

    Davey asks whether the PM will look again at Lib Dem proposals to make sure patients get high quality care.

    Sunak says he is investing record sums in the NHS, making sure there are record numbers of doctors and nurses, and claims ambulance times are lower than they were this time last year.

  13. Analysis

    Three main themes from PMQspublished at 12:43 Greenwich Mean Time 31 January

    Henry Zeffman
    Chief political correspondent

    The last Prime Minister’s Questions of January was a continuation of several themes we’ve seen at this year’s Wednesday political knockabouts so far.

    First, wealth.

    Sir Keir Starmer has used multiple recent PMQs to accuse the prime minister of “not understanding” Britain. Today he repeatedly argued that Rishi Sunak does not understand the scale of mortgage increases people coming off fixed rates are facing.

    At one point he said that a mortgage rise “might not sound much” to Sunak, but that “most people don’t have that sort of money”.

    Plenty of people would say this is a fairly unsubtle attempt to draw attention to Sunak’s wealth. Sunak made clear that he thinks so, accusing the Labour leader of resorting to “the politics of envy”.

    Second, Labour’s green plans.

    The Conservatives spy a major political opportunity in drawing attention to Labour’s pledge to borrow to invest £28 billion a year on green policies, arguing that it would have to be funded by higher taxes.

    There are disagreements within Labour about whether to scale back or impose new conditions on the plan - while they decide what to do. Sunak took pleasure in highlighting the issue repeatedly.

    Third, the SNP’s attempts to suppress Labour’s surge in Scotland.

    Stephen Flynn, the party’s Westminster leader, used his two questions to argue that Labour are no different to the Conservatives.

    That has always been a plank of the party’s arguments but it is clear this has taken on a new prominence for the party as Labour’s support appears to have rebounded in Scotland.

  14. Postpublished at 12:37 Greenwich Mean Time 31 January

    PMQs has now finished but we will continue to bring you some of the main exchanges from MPs in the Commons right here.

    Meanwhile, we're expecting more details this afternoon on the plan for Northern Ireland from Secretary of State Chris Heaton-Harris.

    Follow live updates on that story here.

  15. PM responds to SNP by highlighting taxes in Scotlandpublished at 12:34 Greenwich Mean Time 31 January

    The SNP's Stephen Flynn goes on to ask why bankers can have unlimited bonuses as a result of Brexit, but everyone else has to "suck up costs" because of Brexit red tape.

    He asks whether the great achievement of the Tory government is to having convinced the Labour party "to agree to that bleak future".

    Sunak says they are delivering benefits for people in Scotland, among others with new trade deals for Scottish exporters and freeports.

    He also says that what Flynn could do to help is making sure Scotland is not the highest taxed part of the UK. He says it's not just high earners, and that everyone earning more than £28,000 a year is "paying more tax in Scotland than they would in England thanks to the SNP".

  16. SNP's Flynn attacks Labour and Tories over bankers bonusespublished at 12:32 Greenwich Mean Time 31 January

    SNP Westminster leader Stephen Flynn is asking a question to the PM in Commons

    SNP Westminster leader Stephen Flynn has brought up Labour's stance on bankers' bonuses. Labour had "rightly opposed" scrapping the cap on bonuses last autumn, he says, calling shadow chancellor Rachel Reeves's recent announcement, that this would no longer be the case, "shameful".

    "Is the prime minister comforted by the fact that he's now no longer alone in this house on being completely out of touch with public opinion?" he asks.

    Sunak responds that he supported the decision at the time because it was the "right thing" for financial stability, and that his government sticks to their convictions - unlike Labour's "flip flopping and U-turning".

    Media caption,

    Labour 'shameful' for not scrapping banker bonus cap - SNP

  17. MPs on both sides get telling off for 'unhelpful exchanges'published at 12:28 Greenwich Mean Time 31 January

    Earlier, just before this week's PMQs began, the Speaker of the House of Commons told off MPs on both sides for recent "unhelpful exchanges" - watch the moment here.

    Media caption,

    Speaker tells off politicians for 'unhelpful exchanges'

  18. Sunak hails new prescription powers for pharmaciespublished at 12:27 Greenwich Mean Time 31 January

    Rishi Sunak adddressing the Commons

    Sunak’s final response to Starmer ties together most of his talking points today, reeling off a list of new government policies.

    Sunak says allowing pharmacies to prescribe drugs for minor illnesses is “freeing up millions of GP appointments”, while National Insurance cuts are giving “hard working people” hundreds of pounds in their pay packets this month.

    All Starmer is offering is “£28bn of tax” – the choice for voters is “a brighter future with us or back to square one with them”.

  19. Why doesn't the PM call an election?published at 12:26 Greenwich Mean Time 31 January

    Starmer is asking questions to the PM in Commons

    "I actually didn't expect him to be laughing at Phil," Starmer replies.

    The Speaker intervenes yet again over the Commons which becomes rowdy in response.

    The PM doesn't get how "hard it is" for people like Iceland supermarket worker Phil, Starmer says, adding that it is Sunak's response to never take responsibility, show contrition or "any level of basic understanding".

    He returns to the MP for mid-Norfolk who he says is "exhausted" - why doesn't the PM call an election so "him and the whole country can move on"? he asks.