The government's evaluation of Help to Buy examines the former scheme in England. It estimates a very high value-for-money rating, reflecting both financial returns and the social benefits associated with additional housing supply.
Read the rating in context
The assessment estimates net present social value of £25.1 billion. That is a modelled programme-wide result expressed in present-value terms. It is not money paid to individual households or a measure of investment returns for a buyer.
A broader evaluation
The report considers ownership, housing supply, developer performance, house prices and customer experience. Reading those sections together gives a fuller account than treating one headline rating as a verdict on every outcome.
What the finding does not establish
An evaluation of a past programme does not announce a new scheme or establish current eligibility for support. Readers considering a financial product should check its current terms and obtain advice appropriate to their circumstances.
Editorial review: 17 October 2026, using the government report updated on 16 September 2026. The original archive publication date of 15 September 2026 and URL are retained; this review is later than that archive date.