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The return is precisely the problem. BTLers purchase a proportion of the housing stock (often concentrating on smaller properties with lower overheads should the property remain unlet) using their larger asset base (meaning they are able to afford more significant deposits than FTBers) driving...

Agreed, it's absolute pie-in-the sky - the government that guaranteed a real fall in house prices and the de-regulation of building on greenbelt land would be the party that received bugger all votes at the next election. Yet that is what's required. I can't quite decide whether the problem...

My sister has looked into this, and apparently that's not how the scheme works. The government effectively guarantees the first 20% of the mortgage, so you are taking out a 95% mortgage (with all of the sky-high rates that implies) and the government is only potentially on the hook for 20% -...