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Why doesn't the government help out directly with mortgage payments?

The UK government has instigated a number of new mortgage relief schemes over the last few months which have been put in place to try and assist those falling behind with their mortgage payments. However, none of the schemes available at the moment will actually see the government contribute directly towards mortgage payments, with many only deferring payments to the future and possibly building up more problems for the homeowners in question. So why can't the government contribute directly to mortgage payments?

The fact is that while many schemes on the surface appear to have the best intentions at heart, very few have been successful because of the tight criteria often associated with them. Surely it would be better for the UK government to introduce tax breaks for those with mortgage arrears as their powers of control over the UK banking sector have been shown to be near zero. Short-term assistance with regards to mortgage and remortgage payments would offer some relief to those struggling in the UK and ultimately, if their situations did not improve, is it a viable option to fund them in the longer term?

While we are obviously discussing people's lives and people's homes there may well be difficult decisions to make with regards to the ability of some homeowners in the UK to afford their properties in the future.

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