If you don’t have sufficient equity in your home, you can either buy a cheaper property, wait until you save up sufficient money for a deposit, take out a personal loan (either secured or unsecured) to make up the difference you need for the deposit, or ask a family member to act as a guarantor for your home loan.  You could also consider paying Lenders Mortgage Insurance (LMI) to enable you to get a loan with a deposit of less than 20%.  You should seek financial advice before deciding if any of these options are suitable for your individual circumstances.