Getting on the property ladder is proving difficult for first-time buyers, with just 20% of Britons and Americans under the age of 25 owning a home. As their individual savings are often not enough to enter the market, a growing number are finding a house with someone who’s not their spouse.

Can’t get on the property ladder? As the idea of owning a home becomes increasingly distant for young adults, the demand for 'graddy annexes' – attached to parents' homes – is increasing and is one of the many ways families are coping with Gen Yers’ inability to buy their own home.

It’s no secret that Gen Y are struggling to afford a house, but US startup Loftium is offering a new kind of mortgage that hopes to solve Gen Y’s ownership woes. Instead of shelling out for the down payment, prospective buyers rent one of their rooms on Airbnb for at least 12 months.

From being saddled with student debt, to sky-high housing prices, the dream of owning a home has never seemed more distant to most Gen Yers. Claiming to be “the missing step,” Unmortgage is helping people put down roots with a scheme that partially finances their homes.