The most common is a gifted deposit from family, which must be declared to the lender with a signed letter confirming it’s a gift, not a loan. You could also use government-backed schemes like Co-Ownership (Shared Ownership), where you buy part of a property and pay rent on the rest, reducing your deposit requirement. The 95% mortgage guarantee scheme also allows you to buy with as little as 5% deposit. In some cases, lenders accept family springboard mortgages where relatives use savings as security. A mortgage adviser can explain which deposit help options you qualify for and guide you through the process.