Having the option to purchase 100% of your property may not be possible for some people. There may be obstacles in the way such as income or it could be down to the geographical area in which you want to live. You may be quite simply priced out of the area.
It may be possible for you to look at alternative methods of home ownership such as shared ownership. The shared ownership schemes are generally offered for sale via your local housing association. The scheme in it’s most simple of term, is you purchase part of the property but rent the remaining part from the housing association. Usually you purchase in 25% increments, so potentially you would look to purchase 25% of the property value and rent the remaining 75% from the housing association.