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Found 1 result

  1. AjitSingh213
    Hi All, The Help to Build equity loan scheme launched today with Darlington BS being the first lender to offer it. Does anyone else see any benefit in doing it because it is linked to the value of the house not how much you borrow? The help to buy was structured similarly and has been reported as a 'nice little earner' for the government because house prices have been going up. I understand that there are benefits in terms of being able to put a 5% deposit down and not pay interest for 5 years but long term I see the help to build as being even worse than help to buy? I think it is the reason for it being worse is because self builders create value by building a house. Even one of the examples in the guide it shows that you borrow £70k and on day 1 you have to pay £100k back because on day 1 once the house has been built it is worth significantly more than the cost. Then over time, as the house value goes up, that £100k that you have to pay back goes up in line with the value of the house. Granted the scheme works in the same way if house prices go down but the trend for house prices over the last 50 yrs is that they have gone up, quite significantly in recent times. Does anyone else have any similar views? Thanks!
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