For prospective homeowners in their 20s and 30s, the thought of securing a mortgage can feel like an impossible goal. Saving a deposit substantial enough to secure your dream home can be the biggest barrier, but there are more options now to help young people secure better mortgages. You may find a lender willing to provide you with a 95% LTV mortgage, meaning you only need to provide a deposit of 5% of the property value. You could also consider speaking to your lender about a guarantor mortgage, where a family member agrees to pay your mortgage if you’re not able to. There are also lenders who will allow you to borrow the money for your deposit, either as a personal loan or from a family member. You’ll need to prove you can afford the loan repayments alongside the mortgage and your other commitments. If you’re considering this option, you should speak to a mortgage adviser first to make sure it will work for you.