We bought our £242,000 home without a deposit - here's how
The share of UK mortgages with smaller deposits is the highest it's been since 2008. The BBC spoke to borrowers about how they manage the risks.
Until last year, Conroy, 32, and his partner Amber, 28, saw little prospect of owning their own home. They were renting in central Manchester where they work and could not afford to save up for a deposit.
Then they came across a relatively niche, and some experts say riskier, type of mortgage that offered a solution.
The Track Record mortgage from Skipton Building Society covers 100% of the value of a property, with the borrower paying nothing upfront.
Twenty-seven-year-old Bronya and her partner George, 29, also used a low-deposit mortgage to buy their four-bedroom house in Rhuddlan, North Wales in August.