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  1. From the from page of HPC: "No one in the press seems to have realised that HTB2 is not being used by ANYBODY. HTB2 aimed to get the housing market moving again. It succeeded, but not because everyone flocked to take out government-subsidised 95% mortgages. It succeeded because everyone else mistakenly expected that to happen and tried to beat the rush, creating the bubble they were all expecting in the process. Less than 1700 people had used HTB2 within the first 6 months. That's less than 1% of the market. That's barely more than 1% of FTBs (25k/month according to the CML). I highly doubt r
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