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To support an equal recovery from the pandemic we need to ensure that a wider range of people can achieve their home ownership ambitions, not just those on middle to higher incomes. There need to be accessible routes into ownership for those who struggle to save.
Treasury intervention through the form of Help to Buy has been successful in boosting the supply of new homes. However, a significant number of those who have benefitted from the Scheme are those who could have already bought anyway, so it has not necessarily helped to reduce intergenerational inequality in housing by widening access to the housing ladder.
The winding down of Help to Buy in 2023, with the associated reduction in housebuilding, makes it even more important that other providers can step in to deliver home ownership initiatives to support those who cannot afford to buy on the open market.
Read the Rentplus response to the Treasury An Equal Recovery enquiry here