lets face it - it was one of the initially causes of the housing bubble we have had here - ok so it will put more folk into homes, but right now there aint enough, which means it only puts more folk at the auctions, gives builders incentive to increase prices, and if the banks again consider it as part of their savings history and/or deposit, we are back to square one.
an obvious step is to make it for NEW housing, rather than existing.
