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The Government has announced it will extend its 'help to buy' scheme for first-time buyers, so we're looking at the state of the UK housing market. There are fears 'help to buy' will artificially inflate prices, and that's at a time when early indications are that in some parts of the country at least, house prices are already on the rise. We want to know if you're taking advantage of the scheme or you're planning to, or maybe you've been able to use the bank of mum and dad to buy a house. Tell us about the difficulties you've had in getting access to the money you need to buy....and whether buying rather than renting still matters. We're also interested in hearing from you if you rent - the social and private renting markets are now the same size. Have you had problems finding the right house or flat in the area you want? And how have the agents been, have they helped or hindered your progress? You can email us at youandyours@bbc.co.uktext 84844 or call 03700 100 444.