The latest update on the Help to Buy scheme appears to cast some doubt on whether the beneficiaries of help to buy were the people the government intended and replays the original charges that Help to Buy has done little more than fuel house price inflation.   

These arguments are difficult to substantiate either way but it does appear counterintuitive that the taxpayer is subsidising people earning more than 50k a year to raise finance for house purchasing, helping private landlords to pay their mortgage and make profits paying out billions in housing benefits and paying property companies extremely high rates to provide temporary accommodation.  

Something in the system is going very wrong.  I think the construction of significant volumes of affordable homes will partly address these challenges.  Only the state has the commissioning power and financial leverage to make this happen.  The Government cannot ignore this potential solution for ever.