We are down to do it too - we applied last October and have now decided to wait a bit. I think it is the only way we will be able to buy TBH. Ownhome is a good one though cos you can choose the property which can be anywhere. Alot of other schemes are for particular properties. We are hoping to buy next year and hope that funds will still be available in this area then. Still looking on rightmove alot though and if the right property came along now i guess we would consider it.