If property is expensive in your area, buying on the open market may seem impossible, but in many parts of the country there are schemes that can help make home ownership a more realistic option.
Although home ownership schemes can make buying a place an option, you need to consider whether you will be able to afford it in the long term. The options set out in this section can cut the costs of buying (because you may not need such a big deposit) but your monthly mortgage payments may still be expensive in relation to your income.
