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With house prices continuing to rise, it’s getting increasingly difficult for first-time buyers to get onto the property ladder.  

It’s human nature, then, for parents to want to step in and help their children in securing their first home. 

But, because of the costs involved, there are many parents who can’t afford to gift their children large sums of money for deposits.  

There are now a number of lenders that have launched specific products aimed at helping first-time buyers onto the market.  
Some lenders offer a Family Deposit mortgage that allows parents or family members to put money into a savings account, acting as security against a mortgage. 
As long as the buyer’s mortgage payments are made on time, the parents or family members will get their money back, with interest, after a certain time period (usually three years).  

The scheme is perfect for parents who, whilst they’ve can’t afford to gift their children a deposit, they still have savings set aside. 

With a wide variety of schemes, similar to the above, available from different lenders, advice on your how you or your children could get onto the property ladder can be found by speaking to one of our expert advisers who will be able to help you with the next steps.