The results of a survey from the Mortgage Advice Bureau (MAB) into the salaries of people using the Help to Buy Mortgage Guarantee scheme have been released, shedding some light on the trends of the people buying into the market.

On average a homebuyer making use of the Help to Buy 2 scheme had a primary salary in December was £12,000 lower than the average buyer on the market.

However, the average salaries of these first time buyers had also dropped by 11% over the last three months of 2014, down to £27,957.

This directly contrasts the wider market, where the salaries of primary buyers increased marginally to £39,983.

“It is reassuring to see that people with more modest salaries can still access the housing market without needing to command high salaries or have saved a large deposit,” said the head of lending at the MAB.

This signifies good news for potential first time buyers, as it seems that homes are becoming more available to them, and that they can be afforded at lower salaries.

More people are becoming able to get onto the property ladder using the schemes, and house prices are seeming to be coming down slightly, but with the average loan going out to people with a salary of almost £40,000 a year, there is still a great gulf between the people who can make do without the government schemes, and those who are relying on them.

This survey suggests that without the schemes, the lower end of the housing market would drop off and be unable to acquire homes, and that the end of the Help to Buy schemes could hurt the economy if it is coming to rely on it too much.