Not a bad idea but I wouldnt be wanting to wait until house is sold and would suggest a defined period of payback,5/10 years, as the cost saving would come by then and the loan could be repaid to the 'system' for reapplication. In this era of house buying/flipping for ego and $$'s and not for home making i dont think the gvt should carry the loan just so the chancers can continue to csh in.
I would suggest scrapping the earn in agreements for that type of loan.Why, if they have not put their hand in their pockets, should the taxpayer add to the profit of another free loader.
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