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Then came the two parts of Help to Buy. The first element, eligible on newbuild, began in April. The second, more controversial strand, will see ツ」130bn-worth of taxpayer money offered as guarantees to any borrower with a small deposit or low equity that wants to buy or move up the property ladder. The state will guarantee up to 15pc of a mortgage on homes worth up to ツ」600,000. The idea is that this will help them get access to the lower rates offered to those with bigger deposits.