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  1. Link to BBC article with the fundamentally staggering quote "Overall the proportion of sales accounted for by Help to Buy is 40% and on some building sites it is reaching 70%," said Ray Boulger of John Charcol mortgages. Now two points given this is the equity loan and therefore ends in Wales and Scotland in 2016 are we going to see as much as an 70% reduction in new build houses being started in those locations? And secondly as this is going to carry on in England until 2020 at least (I think it will never be withdrawn unless a radical government comes to power) will we see a greater divergence in english and welsh house prices? TBH This is a staggering amount of state subsidy to builders, paying this back could be difficult for many and I thinks shows how much control the government can have over housing and prices. Not sure given the Daves new (or perhaps old beefed up) prop relaxing rules around shared ownership, we wont see props continuer for a long time yet. That said my Mum who is a big HPI accepter (doesn't celebrate HPI but tells me that "they will never let house prices correct because people like your grandma vote") finally said out of the blue that HTB seems a bit of a con!? So understanding of what is going on is starting to get out there.
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