Britain’s housing market is hungover but Help to Buy 2.0 is not the detox it needs

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The Government is reportedly considering a reboot of the Help to Buy scheme But the UK housing market is extremely hungover, argues Victoria_Spratt. Help to Buy 2.0 is not the detox it needs 🔎 Here's why – analysis

A reboot of David Cameron and George Osborne’s Help to Buy scheme is rumoured to be being considered for Chancellor Jeremy Hunt’s autumn statement Anyone who has ever partied a little too hard will know that after the overindulgence comes an epic hangover.

After getting extremely drunk on stamp duty cuts , on people deciding to relocate or upsize because of the pandemic and on a first-time buyer frenzy to complete home purchases before the end of the Conservatives’ flagship Help to Buy scheme closed last month,Combined, the above caused record house price inflation to take the cost of homes to a historically expensive level.

: First-time buyers are taking out longer mortgages of 40 years to meet high house prices and pay the highest mortgage rates we’ve faced since the 2008 global financial crisis. The government knows they have to do something. They could opt for a detox by building the social housing that homelessness experts agree that the country urgently needs.there are now 1.4 million fewer households living in social housing than there were in 1980.

There is also currently a social housing waiting list of over a million households across England, meaning that a growing number of homeless families with children have been placed in inappropriate temporary accommodation in recent years. This includes

 

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