Yes indeed Matt, which Is why I suggested maybe not ambitious or talented enough. For those determined enough, there is usually a way, albeit not necessarily an easy or quick way. Although not a point you are making particularly, it is interesting to note the idea that a secured loan can be secured on a parents house. Whilst it undoubtably can, it isn't that simple either. The lender will normally want to ensure that the borrower (with the security) can afford the repayments from their own income. Having a security doesn't necessarily satisfy the lending requirement. Particulary so where it is an additional borrowing charge. In other words mum and dad having a home, doesn't mean junior can borrow against it. It may be that mum and dad might be able to, but that isn't necessarily a foregone conclusion either.