BRISTOL, ENGLAND - OCTOBER 01: Construction workers build new houses on a housing development in Filton on October 1, 2013 in Bristol, England. Prime minister David Cameron has used the Conservatives annual conference being held in Manchester this week to announce that the governments controversial Help to Buy scheme which allows people across the UK to take out 95 percent mortgages - will be launched next week, three months earlier than planned. Critics have claimed the Help to Buy scheme will fuel a housing bubble. (Photo by Matt Cardy/Getty Images)
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Getty Images News Matt Cardy