Okay, except don't think about it as me getting a mortgage. Think of it as the government just giving me the money to build this house. Should I then immediately be able to sell the house? Should I be able to rent out the house? Even if I've been the one to get the land, and then pursue any planning permission, and even if I've done something like pay an architect to draw up the plans for the house, the biggest cost is going to be actually building the thing isn't it? So for the government to cover that cost, to me makes it seem a bit like they should then be the one getting the return on it.
As I originally said, I do still think this policy is better than doing nothing. Without all the costs/risks covered and a freebie boost to their profits, private companies just won't make the necessary changes unfortunately. And government grants exist in a bunch of other fields, so essentially its just more of the same.
TBF it's probably all a moot point, it's likely the next pending U-turn anyway.