This week’s top comments came from Terry Arch and MJ, with their responses to the article: One thousand homes a week purchased through Help to Buy last year.

Arch said: “I wonder how many thousands whose payments go up in five years time will find themselves in a mess because they cannot afford the increase or there has not been enough equity created to get out.”

Another broker, MJ, agreed with his comment, taking into account a situation where the house needs to be sold in two or five year’s time if the couple split up.

He added: “Now worth less as the property was way overpriced (no discounts) in the first place, also a lot on five-year fixes so hefty early redemption charges (ERC) too; and/or horrible lease involved so prediction for mid 2020s is fairly similar to that of early 90s – sling the keys back.

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“I have said it all along, this is a false economy and is an accident waiting to happen. I am sure some will be fine, however an awful lot won’t be.”