99% Mortgages Taxpayer Guaranteed? Great idea or disaster?

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95% MGS Gov Rules
https://assets.publishing.service.gov.uk/media/6079406fd3bf7f400b462d6f/Mortgage_Guarantee_scheme_rules.pdf

FT Article
https://www.ft.com/content/ce643bfa-d4a9-4d85-b28c-6cc0fceba62f

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