How will Help to Buy scheme help property seekers? From next week, first-time buyers and current home owners who only have a 5% deposit will be able to apply for a scheme to help them buy a new property. The government will guarantee up to 15% of the mortgage. Ministers say the second phase of Help to Buy will enable 190,000 people to buy a new home, but critics say it could cause a housing bubble. Alice Baxter reports.