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Help To Buy - Mortgage Guarantee Scheme Completions, by postcode district: a data cube spreadsheet

The data in this data set was provided by HM Treasury and details mortgage completions on properties supported by Help to Buy: mortgage guarantee completions, by local authority, England. The data set covers the period 8 October 2013 to 30 June 2014.

Number of loans for values of DCLG Help To Buy Mortgage Guarantees
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Dimensions
Dimension
Value
Dclg Help To Buy Mortgage Guarantees
  1. Completed Loans
Reference Period
  1. 8 October 13 to 30 June 14
Reference area
(showing types of area available in these data)
  1. HTB Postcode Districts by authority
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About the Dataset
License
Issued
11/09/2014
Modified
11/09/2014
Next update due
Not supplied
Description

The Help to Buy: mortgage guarantee scheme opened on 8 October 2013 and is available across the United Kingdom. Under the scheme the government offers lenders the option to purchase a guarantee on mortgage loans where the borrower has a deposit of between 5% and 20%. The scheme can be used for mortgages on both new build and existing homes, by first time buyers, home movers and those remortgaging. In order to qualify for a loan supported by the Help to Buy: mortgage guarantee, there are a number of eligibility criteria which are set out in the scheme rules.

The guarantee compensates participating mortgage lenders for a portion of net losses suffered in the event of repossession. The guarantee applies down to 80% of the purchase value of the guaranteed property covering 95% of these net losses. The lender therefore retains a 5% risk in the portion of losses covered by the guarantee. This ensures that the lender retains some risk in every mortgage originated. For example, the scheme is not available on buy-to-let mortgages or second homes, and the property value must be £600,000 or less.

Over the life of the scheme the government will make available up to £12 billion of guarantees, which is sufficient to support up to £130 billion of high loan-to-value (LTV) mortgages.

For further information see Help to Buy: mortgage guarantee scheme Quarterly Statistics.

URI

This slice of multidimensional data is not a Linked Data resource in the database: it's a virtual resource (i.e. you can't query it by SPARQL). But does have a permanent unique URL which can be bookmarked.

http://opendatacommunities.org/slice?dataset=http%3A%2F%2Fopendatacommunities.org%2Fdata%2Fhousing-market%2Fhelp-to-buy%2Fnum-loans%2Fmortagegaurantees%2Fcompleted-loans-postcode-dis&http%3A%2F%2Fopendatacommunities.org%2Fdef%2Fontology%2Ftime%2FrefPeriod=http%3A%2F%2Freference.data.gov.uk%2Fid%2Fgregorian-interval%2F2013-10-08T00%3A00%3A00%2FP8M23D
Dimensions Linked Data

A linked data-orientated view of dimensions and values

Dimension Locked Value
Reference Period
http://opendatacommunities.org/def/ontology/time/refPeriod
8 October 13 to 30 June 14
http://reference.data.gov.uk/id/gregorian-interval/2013-10-08T00:00:00/P8M23D
Dclg Help To Buy Mortgage Guarantees
http://opendatacommunities.org/def/ontology/housing-market/help-to-buy/num-loans/mortagegaurantees
(not locked to a value)
Reference Area
http://opendatacommunities.org/def/ontology/geography/refArea
(not locked to a value)