A UK government program that helped over 53,000 people get mortgages with just 5% deposits is winding down this month—and there’s no clarity yet on what (if anything) will take its place. The scheme nudged banks to offer riskier high-loan-to-value mortgages, which first-time buyers often rely on.

Editor’s Note: For young buyers or those with small savings, 95% mortgages are often the only way onto the property ladder. With the scheme ending and no replacement in sight, banks might pull back on these deals, making homeownership even harder for struggling buyers. It’s another headache in an already brutal housing market.