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"Efforts to prop up house prices appear to be having the biggest impact on first-time buyers.
"... For those trying to get on to the property ladder, the research shows the struggle many face, as government schemes aimed at encouraging lending appear to be filtering through, and pushing up prices.
"... The Royal Institution of Chartered Surveyors has warned that the [schemes] may merely serve to push up prices of these homes, to the benefit of house-builders."
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