7 ways to get onto the property ladder in 2025

First-time buyers face affordability challenges, especially in London and the South East, but various schemes can help. Options include low deposits from £5,000, Lifetime Isa bonuses, high loan-to-income mortgages, First Homes discounts, rent history-based loans, Rate Reducer deals on new builds, and shared ownership. 0% deposit mortgages exist but carry higher costs. Waiting for potential base rate cuts may improve affordability.