"It allows a lot of people to be able to afford homes which they couldn't otherwise." That may be true, but if it's having that effect for a lot of people, the

"It allows a lot of people to be able to afford homes which they couldn't otherwise." That may be true, but if it's having that effect for a lot of people, then surely it's also contributing to higher housing prices, which of course negates (at least in part) the supposed increase in affordability..