With the high cost of living and high interest rates, there is more flexibility and options available for getting on the property ladder. Lenders accept it is difficult for tenants to save a deposit so some have introduced a 100% mortgage, whcih means you don't need a deposit. There is critieria to meet to be eligible for this mortgage:

• first-time buyer
• evidence all rental payments over a consecutive period of 12 months in the last 18
• evidence affordability for all household bills over a consecutive period of 12 months in the last 18
• no adverse credit 
• the new mortgage payment cannot be higher than the average rental payments over the last 6 months.