It is a very difficult proposition to approach a lender asking for a home loan after a period of using a vendor loan as your source of finance.  If you have a stable income and your credit rating is good, you may find a lender prepared to offer you a loan after a period of vendor finance, but your financial situation would have to be exceptional for most lenders to approve your loan application.  However, some online lenders specialise in offering loans to people with poor credit ratings.