Finding money to purchase a house can be very difficult for first time home buyers. Many of those who are looking to make such a purchase will be at the beginning of their working life and will not have had a chance to accumulate much money. To make matters worse many of these people will be already paying rent on accommodation; so it can be extremely difficult to save enough money for a house and pay the rent or mortgage. This means that a lot of people feel stuck and unable to make it onto the property ladder.