This is the key

I understand L Smith's frustration ("Key worker scheme is unjust", 2 April, page 22) but I feel I need to correct a couple of misunderstandings.

Key Worker Living is based on the proven need to recruit and retain frontline public sector staff in London and the South-east. The high-value equity loans of up to £100,000 will be available only to a very small group of teachers in London. Most key workers who apply will be offered loans of up to £50,000, and many will be offered less.

Housing associations will be providing loans based on strict eligibility criteria and tailored to the individual's housing needs and local property prices.

I totally agree that there are far too many people who cannot afford to get on the housing ladder. I also agree that there are many other occupations with essential roles in our communities that can claim to be key workers. I would like to remind readers that there are other funding streams for people whose occupation doesn't fall within the government's "key worker" definition.

These include an equity loan available to council or housing association tenants or those on council waiting lists or a new-build home on a shared-ownership basis.