I hate to think that I might be part of Generation Rent but I’m quickly heading that way and wonder whether I will ever be able to buy my own home. Living in the South East means that property prices are so high as to be almost out of my reach and yet I am paying more in rent than I would on a mortgage – if only I could get a mortgage I would actually have more spare cash at the end of each month than I do now paying rent. The mortgage lending criteria are so stringent now though that I stand little chance of getting a home loan unless I can come up with a large deposit and that looks unlikely unless I win the lottery or inherit some money from some long-lost auntie I didn’t know I had. Or maybe guarantor loans are the way to go to raise the deposit – if only I could persuade my parents to act as guarantor.