Owning your own home

Has anyone here applied for one of the help to buy mortgages yet (second wave)? I thought that they had bought them forward to this month but the bank websites I've looked at are still not showing their lending rates or the details...

My girlfriend & I have just managed to save up enough for a normal/standard deposit/mortgage but we thought if the banks were lending at a 75% rate on the help to buy we might use the government help to buy money & make profit from our saving for 5 years then pay it off. But if they're still lending at 95% as some people seem to be suggesting, I think it'd be better to just get a standard mortgage with all of our deposit...

So if anyone has any (not too personal) information from the lenders it'd be appreciated in order to make a decent modelling spreadsheet.

Doesn't look like it, have a read of this link, page 10 in particular to your question:

http://www.helptobuy.org.uk/wp-content/uploads/2013/06/Help-to-Buy-equity-loan-buyers-guide.pdf