ABy creating initiatives such as Right to Buy and shared ownership programmes
BBy directly controlling the interest rates charged on mortgages
CBy underwriting lenders' profits on bank loans
DBy managing individuals' credit scores
EBy imposing global accounting standards on lenders
✓ Correct answer: A. By creating initiatives such as Right to Buy and shared ownership programmesGovernment programmes such as Right to Buy and shared ownership schemes widen access to housing finance and support higher rates of home ownership.
Why the other options are incorrect:
• By directly controlling the interest rates charged on mortgages: Mortgage interest rates are set by lenders, influenced by the Bank of England base rate, not by the Government.
• By underwriting lenders' profits on bank loans: Lending profits are determined by market conditions and are not guaranteed by the Government.
• By managing individuals' credit scores: Credit scores are issued by credit reference agencies, not the Government.
• By imposing global accounting standards on lenders: Accounting standards are set by the IASB and are not determined by the UK Government.
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