For almost 10 years, the Help to Buy scheme proved incredibly successful in helping over a quarter of a million borrowers across the UK to buy a home. But, with this scheme now having ended in England and Scotland, this leads to the question of what – if anything – can replace it.

In the latest episode of Barclays Mortgage Insider podcast, host Phil Spencer is joined by Mobeen Akram, New Homes Director at the Mortgage Advice Bureau and Mitch Atkins, director at Michael Usher Mortgage Services as they delve into the history of Help to Buy, why it worked, why it ended, alternative buying schemes and the challenges facing young house buyers.

The conversation also highlights some of the government-backed and private schemes currently available to help first-time buyers, including Lifetime ISA’s, the First Homes Scheme and shared ownership. It also touches on individual mortgage products such as Joint Borrower Sole Proprietor, the increasingly prominent role being played by the Bank of Mum and Dad, intergenerational lending and the Barclays Springboard mortgage.

So, what might replace Help to Buy in the future?

This episode was recorded on 24th October 2023 prior to the Autumn Statement and the latest Bank of England base rate decision.

Mortgage Insider is a Fresh Air Production for Barclays created by Julie-Anna Needham and Annie Day with Helen Carter and Sophie Devonport from Barclays. 

For almost 10 years, the Help to Buy scheme proved incredibly successful in helping over a quarter of a million borrowers across the UK to buy a home. But, with this scheme now having ended in England and Scotland, this leads to the question of what – if anything – can replace it.
In the latest episode of Barclays Mortgage Insider podcast, host Phil Spencer is joined by Mobeen Akram, New Homes Director at the Mortgage Advice Bureau and Mitch Atkins, director at Michael Usher Mortgage Services as they delve into the history of Help to Buy, why it worked, why it ended, alternative buying schemes and the challenges facing young house buyers.
The conversation also highlights some of the government-backed and private schemes currently available to help first-time buyers, including Lifetime ISA’s, the First Homes Scheme and shared ownership. It also touches on individual mortgage products such as Joint Borrower Sole Proprietor, the increasingly prominent role being played by the Bank of Mum and Dad, intergenerational lending and the Barclays Springboard mortgage.
So, what might replace Help to Buy in the future?
This episode was recorded on 24th October 2023 prior to the Autumn Statement and the latest Bank of England base rate decision.
Mortgage Insider is a Fresh Air Production for Barclays created by Julie-Anna Needham and Annie Day with Helen Carter and Sophie Devonport from Barclays.

The evolving role of the mortgage broker is becoming increasingly complex. The performance and potential of the housing market is an ever-changing landscape, but help is here.

The award-winning Mortgage Insider Podcast – brought to you by Barclays – is back and   better than ever. Renowned TV presenter and property expert Phil Spencer guides you through the trials and tribulations of the housing world.

Phil, along with industry-leading guests from the world of economics, financial services, and of course housing, takes you beyond the headlines to help you navigate the world of mortgage markets.

This is an in-depth plunge into the world of mortgages, so listen and follow to find out moreabout the current mortgage market, how rates are set, the insider take on housing, changes to buy-to-let, marathon mortgages and helping clients plan for a worst-case scenario. 

The Mortgage Insider Podcast – you can’t afford to miss it.

The evolving role of the mortgage broker is becoming increasingly complex. The performance and potential of the housing market is an ever-changing landscape, but help is here.
The award-winning Mortgage Insider Podcast – brought to you by Barclays – is back and   better than ever. Renowned TV presenter and property expert Phil Spencer guides you through the trials and tribulations of the housing world.
Phil, along with industry-leading guests from the world of economics, financial services, and of course housing, takes you beyond the headlines to help you navigate the world of mortgage markets.
This is an in-depth plunge into the world of mortgages, so listen and follow to find out more about the current mortgage market, how rates are set, the insider take on housing, changes to buy-to-let, marathon mortgages and helping clients plan for a worst-case scenario. 
The Mortgage Insider Podcast – you can’t afford to miss it.

Mortgage Insider

The award-winning Mortgage Insider Podcast - brought to you by Barclays Bank – is back and it’s even bigger and better than ever. Hosted by renowned TV presenter and property expert Phil Spencer, Series 4 takes you beyond the headlines to explore the challenges, changes and opportunities on offer across the UK housing and mortgage markets.

In the latest series, Phil grills leading industry experts from the world of financial services on topics such as business development, the performance and potential of the housing market, the evolving role of the mortgage broker and the outlook for the UK economy.

You can’t afford to miss it.

The award-winning Mortgage Insider Podcast - brought to you by Barclays Bank – is back and it’s even bigger and better than ever. Hosted by renowned TV presenter and property expert Phil Spencer, Series 4 takes you beyond the headlines to explore the challenges, changes and opportunities on offer across the UK housing and mortgage markets. In the latest series, Phil grills leading industry experts from the world of financial services on topics such as business development, the performance and potential of the housing market, the evolving role of the mortgage broker and the outlook for the UK economy.
You can’t afford to miss it.

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