A foot on the ladder: low cost home ownership assistance, nineteenth report of session 2006-07, report, together with formal minutes, oral and written evidence

An imbalance between the demand and supply of housing has resulted in recent years in increasing numbers of people finding it difficult to afford to buy their own home, with only 36 per cent of new households being able to afford to buy in 2005 compared to 46 per cent in the late 1980s. In 2004-05, the Government spent almost £470 million on two financial assistance schemes (shared ownership and interest-free equity loans through the Homebuy scheme) designed to extend the opportunity of home ownership to those who would not otherwise be able to afford it, including many key public sector workers. Following on from a NAO report on this topic (HCP 1086, session 2005-06; ISBN 9780102939347) published in July 2006, the Committee's report examines how better targeting and further refining of the low cost home ownership assistance programme could improve efficiency and help more people.

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