You're right. Nowadays, unfortunately, it is impossible to buy your own home without a mortgage. People are lucky if their parents or relatives give them a home or leave them an inheritance. We didn't have that, so we bought a house with a mortgage. At first, we tried to negotiate a lease with the owner with the right to buy, but he turned us down. We really like this house and didn't want to lose it, so we considered mortgage options. My husband was prompted by a colleague to contact a Mortgage Advisor Derby broker who helped us find the right mortgage option.