000			01450cab a2200217 4500
001			##ABS68643
008			050112n2004 000 0 eng u
035			_a(Sirsi) u128504
041	0		_aeng
100	1		_aWilliams, P.
245	0	0	_aShared futures _btaking home-ownership forward through shared equity
260			_c2004
490		0	_aHousing Finance _v(64) Winter 2004, 19-30(12)
520			_aSets out the case for more Low-Cost Home-Ownership (LCHO) opportunities and flexibility in support of aspiring home owners such as first-time buyers or key workers and opens up the idea of a new partnership between mortgage lenders and government to develop a substantial equity loan market alongside conventional mortgages. Outlines the market context, the scale of current LCHO programmes, the reasons for a new equity loan approach, the potential demand for a new loan product, and the risks and rewards of equity loans. Compares in conclusion the options for developing the range of the UK mortgage market including extending current offerings such as Homebuy and building a new LCHO equity loan market. Charts and tables cover housing affordability, Homebuy units, dwellings by tenure and affordability of equity loan. References.
590			_aABS
650	2	4	_aDCLG HOMEBUY
651		4	_aEngland _y886-
690			_aPROPERTY-RESIDENTIAL PROPERTY-ACQUISITION AND DISPOSAL OF RESIDENTIAL PROPERTY
700	1		_aBennett, J.
942			_n0
999			_c74712 _d74712