It's serious http://www.nigpost.com/category/nigeria/ effexor xr for anxiety disorder  Under the Help to Buy banner, buyers can take a state-backed loan enabling them to put down a deposit of just 5pc on a newly built property. The second leg of the initiative, a government-backed mortgage guarantee element, launches in January. The housing market appears to be responding, with lenders’ surveys pointing to headline growth in the 2pc range.