Prime Minister David Cameron, with Sharon and her daughter.

The government’s Help to Buy scheme has been hailed as an initiative which has helped thousands of hard-up people to get onto the property ladder – but is this really the case?

Under the Help to Buy scheme, equity loans are given to first-time buyers and home movers on new-build homes worth up to £600,000.

These loans lend buyers 95 per cent of the mortgage, and lets people buy a house with only a five per cent deposit. The government gives people a loan of 20 per cent of the price and homebuyers will then need a mortgage of 75 per cent.

Although very little is said about how these loans trap homebuyers in a cycle of debt and leads to a situation where many will NEVER be able to pay off their mortgage or own their own home completely, it has nonetheless been celebrated vigorously by Cameron.

During one of his high-profile publicity stunts, the Prime Minister visited the home of attractive blonde Sharon Ray, 30, in Southampton and sipped tea on her sofa while chatting to her about how the scheme had helped her get on the property ladder.

She appeared on BBC News bulletins talking about the advantages of the scheme while Mr Cameron played with her two-year-old daughter, Maisie. Viewers were given the impression that she was an everyday, normal, struggling single-mother who would not have been able to obtain a property without Help to Buy. There was no suggestion of any connection to the property industry.

However, it has since emerged that Ms Ray is in fact a sales director at an estate agency which marketed and sold her the £145,000 two-bedroom ground floor flat.

An anonymous blogger revealed that her professional name is Sharon O’Donnell and she is an award-winning sales director at nationwide chain Enfields.

Soon after critics of the scheme took to Twitter to mock the apparent deceit.

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