The government’s new Help to Buy scheme is now live and we have just did one. This is one of the biggest changes for first home buyers in years, but it is not for everyone, so here is the real breakdown. The pros * You can buy with as little as a 2 percent deposit * The government can contribute up to 30% for an existing home * No LMI * Smaller loan means lower repayments * You get into the market sooner The cons * The government owns a share of your home * When you sell, they get the same share
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