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Help to Buy

  • A government scheme introduced in 2013 by the coalition government to boost an ailing economy by enabling prospective home-buyers who demonstrate they can afford the repayments, albeit not the full deposit, to buy a home.
  • LTVs of up to 95% for such buyers enabled by government funding and guaranteeing lenders their top-up, encouraging confidence for lenders to lend and has positively impacted the market.
  • Not expected to run indefinately.  A short term catalyst during the recession probably running until the next election only.
  • Not available to BTL landlords to rent property.
  • Restricted to residential sales thus excluding commercial sales.
  • Controversy exists over whether this will ironically artificially inflate house prices risking a double dip recession.
Published: 28 September 2015 Last Updated: 17 November 2021