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What would be my next options?

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Ok, so I am desperate to get on the housing ladder via the HELP to buy scheme.

I've tried halifax but they need a 15% deposit, which I don't have. I only have a 5% deposit. I am now trying with Natwest.

If natwest won't accept me, where can I go from there. I really want this house, and I am willing to do anything it takes. I just czan't increase the £7500 deposit I already have.

I have good credit history, in the sense of no CCJS, missed payments, defaults, the only real negative is just the amount of credit searches on file.

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