Some 46 per cent of first-time buyers (FTBs) are using affordable housing schemes to help them climb onto the property ladder.
Research by Lloyds TSB has revealed the extent to which individuals are being forced to rely on numerous methods in order to raise enough money for a deposit.
Before the economic downturn, only 15 per cent of FTBs would have considered the option, but this figure has now increased dramatically.
It comes after a study by Clydesdale and Yorkshire Banks discovered 49 per cent of FTBs are asking their family for financial help when buying a home.
Stephen Noakes, Director of Mortgages at Lloyds TSB, said: "Affordable housing schemes play a key part in helping FTBs onto the property ladder. However, many more may be unaware of how these schemes can help them."
Of those questioned, 26 per cent said an affordable housing scheme is the only way they can afford to purchase a property, while 25 per cent believe the method will offer them more affordable monthly repayments.