The aim is to create here in Britain a really hostile environment for illegal migration.

We will talk to the CIFAS members, financial institutions, about the possibility of closing accounts of people who have no right to be here. If you're going to create a hostile environment for illegal migrants... access to financial services is part of that.

The U.K. needs a system for family migration underpinned by three simple principles. One: that those who come here should do so on the basis of a genuine relationship. Two: that migrants should be able to pay their way. And three: that they are able to integrate into British society.

Reducing net E.U. migration need not mean undermining the principle of free movement. When it was first enshrined, free movement meant the freedom to move to a job, not the freedom to cross borders to look for work or claim benefits.

Sham marriages have been widespread; people have been allowed to settle in Britain without being able to speak English; and there have not been rules in place to stop migrants becoming a burden on the taxpayer. We are changing all of that.

Labour ministers often look puzzled when reports show that Britain has one of the lowest levels of social mobility in the developed world. They just don't get it. They see poverty, inequality, fairness, as all about income. For the past 12 years, they have relied on tax credits to solve this. But tax credits do not solve poverty: they mask it.