The resurgence of high loan-to-value mortgages comes at a time when the regulation of mortgage advice is going through a massive shake-up.

So, how do the government-backed schemes differ from lenders’ other 95 per cent LTV offerings and what is the best way to get a step on the property ladder for those who have only a small savings pot in 2014?

This guide explores the different high loan-to-value deals currently available, the pros and cons of taking on a mortgage when you have a small savings pot and the regulatory requirements for recommending such home loans.

Supporting material for this guide was provided by: Mark Bullard, head of sales at NatWest Intermediary Solutions; Brad Fordham, managing director of Santander for Intermediaries; Ian Wilson, head of Halifax Intermediaries; and Brian Murphy, head of lending at Derby-based Mortgage Advice Bureau.