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Help to buy alternatives
Manage episode 401878176 series 3535874
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For almost 10 years, the Help to Buy scheme proved incredibly successful in helping over a quarter of a million borrowers across the UK to buy a home. But, with this scheme now having ended in England and Scotland, this leads to the question of what – if anything – can replace it.
In the latest episode of Barclays Mortgage Insider podcast, host Phil Spencer is joined by Mobeen Akram, New Homes Director at the Mortgage Advice Bureau and Mitch Atkins, director at Michael Usher Mortgage Services as they delve into the history of Help to Buy, why it worked, why it ended, alternative buying schemes and the challenges facing young house buyers.
The conversation also highlights some of the government-backed and private schemes currently available to help first-time buyers, including Lifetime ISA’s, the First Homes Scheme and shared ownership. It also touches on individual mortgage products such as Joint Borrower Sole Proprietor, the increasingly prominent role being played by the Bank of Mum and Dad, intergenerational lending and the Barclays Springboard mortgage.
So, what might replace Help to Buy in the future?
This episode was recorded on 24th October 2023 prior to the Autumn Statement and the latest Bank of England base rate decision.
Mortgage Insider is a Fresh Air Production for Barclays created by Julie-Anna Needham and Annie Day with Helen Carter and Sophie Devonport from Barclays.
See omnystudio.com/listener for privacy information.
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