Your absolutely right Musket. In Scotland when purchasing the lenders will accept transcripts of Home Reports without the purchaser paying for a valuation. If not done within the past 3 months the valuer needs to refresh it. I see lots of them from over a year or more ago which are being refreshed with no increase in value and in some cases still dropping in value. You wouldn't think it was past the wit of politicians to say right "Help To Buy" is ending in London and certain other post-codes etc. It already is different. maximum £600K in England but only £400K in Scotland.

Or indeed limit it based on someone's personal income. I mean if you are making £150K between the two of you - do you really need a gvt supported scheme? But a couple on £25K combined!!