Am looking to buy a house in castlebar inside the next 6 months and have preliminary approval from the banks on the mortgage amount, which is around €210 for a good 4 bed house close to town centre..The only problem is coming up with the deposit, which would be around 20 grand based on the 90% to 92% which the banks will give you...Am I missing something here or how do people come up with the deposit, its virtually impossible to save 20 grand in this day and age and I dont want to wait until the gov,savings scheme to get that money as houses will go sky high in price then...People say to ask parents or a relative, but not many parents have that kinda money either....

Any advice on this would be good....