Saffron Building Society has become the latest mortgage lender to allow first-time buyers to use savings from a family member as security when buying a home.
Which? explains the mortgage options available to borrowers with a bad credit history, including deals for people with CCJs, IVAs and discharged bankruptcies.
From deposits to deal periods, Which? goes on a mortgage myth-busting mission to reveal the facts behind the first-time buyer fiction.
From believing that all bad credit mortgages come with sky high rates, to thinking you'll never be approved for one at all - here's the truth behind the myths.
Buying a house with a poor credit history is tricky, but there are deals out there. Which? rounds up the best bad credit mortgage rates currently available.