I am a student and I went bankrupt in 2009 so I had no chance of getting finance. My partner took a loan out for me with the CO-OP but he did think about getting a further advance on the mortgage cos he knew how much it meant to me. (I owe him big time!!) Otherwise you could try a credit union, I havent any experience of them myself but I think you invest your savings with them and then after a certain period of time and once you have enough invested in them you can borrow money without all the usual credit checks and stuff