There are all sorts of reasons why they should have been tempted in. So, for example, 94% of first-time property purchases are now exempt from stamp duty. We can't even blame the mortgage market, as the most recent figures have shown lending is rising again, only 3% of first-time buyers say a lack of suitable mortgage products has prevented them buying a home and eight out of ten first-time buyer mortgages are approved. The answer remains a simple one - according to Halifax - houses are still too darn expensive.

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