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The impact of the end of Help to Buy on home ownership

The Help to Buy: Equity Loan scheme was designed to counter an alarming drop in housebuilding and home ownership among young adults. It succeeded to some extent on both fronts, so the loss of the policy when the housing market is in the midst of a downturn will worsen the slump in construction. However, the shift of existing stock into the rented sector was a more important reason behind the drop in home ownership in our view. That could be unwound as BTL investment becomes less attractive.

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