As many of are likely aware, getting onto the property ladder seems near enough impossible. I am employed, yet I struggle to save enough to even come anywhere close to getting onto the property ladder. What is not surprising though is that we always pay our bills on time and in full. I will use the money raised towards purchasing our first home. A home in which our daughter can enjoy her childhood. After weeks of my innovative brain doing overtime, it dawned on me if 100% LTV mortgages were as popular as they were before, I would be a real contender. If mortgages can be paid of in instalments of £400-£900 per month, why do we pay thousands in respect of renting. What I propose is for you to be our mortgage lenders. The great public.