Your parents or grandparents may be wanting to gift or assist you with the deposit: some lenders also have specific products which either allow your relative to place their savings in an account (where they will typically be locked in for 3 years) or where the lender will take a charge over the relative’s property, rather than placing savings into an account.
Special Schemes
There are several Government-backed schemes, such as Help to Buy Equity loan or Shared Ownership. These types of mortgages involve either a 20% government loan (40% inside London) on a new build, or buying a percentage share of a property.