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Published: 12:00 AM May 31, 2021    Updated: 10:54 AM June 1, 2021 Getting onto the property ladder is tough, but possible with the right help - Credit: Getty Images/iStockphoto There is help available for first-time buyers to get onto the housing ladder, says Derin Clark  As property prices continue to rise, many first-time buyers remain unable to get onto the housing ladder. Although it can seem like an uphill struggle for prospective homeowners to buy their first property, there are schemes available that are designed to help first-time buyers own their first home.  One such scheme is the newly launched Government mortgage guarantee scheme, which saw a number of high street lenders re-introduce mortgages available for a 5% deposit, also known as a 95% loan-to-value (LTV), during April. This scheme is designed to give mortgage lenders Government security in the event the borrower cannot keep up with mortgage repayments, but it does not offer any guarantee to the borro

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