Next year, home buyers in Scotland will have the opportunity to access the Scottish Government’s shared equity scheme, the Scottish Government’s mortgage guarantee scheme and the UK Government’s mortgage guarantee scheme. That may sound like a surfeit of riches, but it is leading to confusion, even now, about the best way to access these schemes. Why do the Government not take more action to ensure that there is a close relationship between what the Scottish Government are doing and what the UK Government are doing to make sure that the benefits of these schemes go not to second home buyers, buying houses of up to £600,000 a year, as the people who need them are first home buyers and people on modest incomes?