It may seem difficult for a first time buyer to get on the property ladder because of the recent rise in property prices.

However, with the right mortgage or by splitting the cost with a relative or by applying to council shemes, you can get on without too much difficulties. With more than 7000 mortgages and 100 lenders, there should be one to suit you, even if you don't have a large deposit or earn a lot.

Make sure you understand the financial implications and techical terms before you apply for a mortgage.