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The Help to Buy mortgage guarantee scheme came to an end in December after three years of government support for lenders offering high LTV deals.
A government guarantee was offered for lenders offering mortgages with a 5% on properties up to £600,000.
The end of the scheme means lenders using Help to Buy will have to re-work their deals without government backing.It is likely some of the lenders will come out with more 95% products but it remains to be seen.
Halifax have confirmed they will continue to offer 95% deals in January while other lenders have not gone public. We need more innovation from lenders to look at this sector, and this could be an area where the specialist market could lead.
