“Scheme” in British English does not have the negative connotations that it does in American English. It’s meaning is more akin to “plan”. For example a health insurance plan in AmE would be called a health insurance scheme in BrE.
O K I am stupid
“need to contribute at least 5% of the property price as a deposit * the government will give you a loan for up to 20% of the price “
how does this equal100%.
We were doing 125% LTV there for awhile back in the mid 2000’s. Big paydays.
londonus ukfhfa homeownrateus mbapurchlt right back at you, spanky.
Sure, buy a house.
Or rather, buy three houses - one for yourself and two for the lender. In economics, this is called “interest”.