학술논문
Housing Watch: What will replace Help to Buy? The industry must step up to provide innovative solutions to support first-time buyers, who will continue to struggle with affordability.
Document Type
Article
Author
Source
Subject
*Technological innovations
*Loan-to-value ratio
*Mortgages
*Employees' deposits
*Loans
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Language
ISSN
1475-651X
Abstract
The article discusses the innovative solutions in supporting first-time buyers with the help of scheme like Help to Buy (HTB). Topics include a clear response in navigating life without HTB being a greater focus on higher loan to value (LTV) ratio products; facing the struggle in securing a larger mortgage with only a small deposit; and range of new HTB schemes where private entities entering the space in providing an equity loan to buyers.