I went to http://esuf.org/events-2/ loans for low income John Willcock, head of Post Office mortgages, said: “Our five year fixed rate mortgage at 4.45pc (90pc LTV) is ideal for first-time buyers. Getting a foot on the first rung of the housing ladder can be a real struggle and saving for a deposit is often the biggest hurdle, deals that require a smaller deposit can go some way to easing the financial strain."