The UK government's help to buy scheme aims to kick start the housing market by providing taxpayer-funded assistance to home-buyers. Individuals who can only afford to put down a 5% deposit on a house can receive a loan from the government for 20% of the property's value. From the start of 2014, the government will offer a taxpayer-funded guarantee to mortgage lenders who offer mortgages worth up to 95% of a property's value. The scheme has already come in for criticism and may have been behind recent rises in the property market ( click here ). Many economists fear that the scheme will simply result in another credit-fueled housing bubble, which will further weaken the financial system.