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If you live in a housing association property, you may be in the fortunate position of being able to buy from them. You can do this in many ways, one of them is to purchase a percentage of the property (e.g. you purchase 50% of a £100,000 property, you own half and the other half still belongs to the housing association) and then buy another portion/the rest in the future.
This obviously allows you to get onto the housing ladder without over-stretching your budget. Mortgage Solutions has assisted many many people in the past to achieve this and helped our clients to finally own their own home.