The discount for a house was 33% of the market value if they had lived there for 3 years. It was a decent incentive, but hardly giving them away. There are enough houses - but they're not affordable for many. My son [in England] was telling me yesterday that he was talking a regional manager of a major housebuilder. Since the end of help-to-buy [in England], sales have virtually stopped on new build. If you want to discover why UK house prices have risen so much in 30yrs, you have to go to central London in the 80's. Arabs, then Russians, then Chinese. Oh, and money laundering. It all stems from down 'west', and permeates along the M4 [and others] corridor