First-time buyers (FTBs) are said to be the lifeblood of the housing market, and saving for a deposit is commonly stated as the biggest obstacle they face. Hence there are various government schemes aimed at reducing the amount of money FTBs must put into their purchase. Help to Buy (HTB) was one such scheme, which
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Could stability be returning to a previously unsettled mortgage market? In late January, Octane Capital revealed that average monthly mortgage repayments had fallen by 14% since the announcement of the September mini-Budget. Prior to former chancellor Kwasi Kwarteng’s fiscal statement last year, a typical two-year
The UK government’s Help to Buy (HTB) scheme is ending after nine years and there is currently no planned replacement. Between 1 April 2013 and 31 March this year, 361,075 properties were bought with an equity loan, according to Interactive Investor, representing a total value of £22.5bn. Without the HTB scheme or a