Conservative politicians have long professed their infallible belief that Britain should be a “property-owning democracy”. From Noel Skelton, who actually came up with the phrase in the 1920s, to Margaret Thatcher, who usually gets the credit, it is their maxim. So in 2010, when David Cameron found himself presiding over a fall in homeownership so severe that it hit a 30-year low and hearing that even the middle classes couldn’t get on the housing ladder, he felt compelled to act.
Related: Most help-to-buy recipients could already afford a home
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