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twomeowsGetty Images Becoming a homeowner is definitely more than a little bit confusing (why didn t they teach us about credit scores, mortgages and interest rates at school, please?) but it s fairly commonly known that a key barrier to getting a foot on the housing ladder is the need for a large upfront deposit. Typically, prospective homeowners need to put forward a deposit of at least 10% of the property s overall price, although ideally up to 15% or more, if possible. Given we re in an age of inflating property prices and a lack of truly affordable housing, this chunk of money needed upfront can price many people out of owning a home. We re not called Generation Rent for nothing.

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