I found the following article very interesting http://www.moneymarketing.co.uk/mortgages/council-looks-at-20-mig-deal-for-ftbs/1051222.article I think it would be better for a local authority to build new social housing and speed up the planning process to expand the housing stock rather than subsidise a small number of middle class applicants.rnrnThis information is intended to provide a general review of certain topics and its purpose is to inform but not to recommend or support any specific investment or course of action. The tips may not apply, or be suitable, to everyone and you should contact us for advice if you are unsure whether this is the case.rn