The loans, which help people with limited equity get onto the property ladder, are available for first time buyers and existing property owners.

The loans are arranged solely through brokers, with a maximum value of £150,000 or up to 25% of the value of a property, which borrowers can use to attain a mainstream mortgage at a lower rate of interest than on a 95% LTV mortgage.

According to Proportunity, the loans will result in reduced mortgage costs of up to 40% and increases to overall loan to income of up to 6 times on a deposit worth 5%.

Proportunity chief executive and co-founder, Vadim Toader, says: “The addition of Affinity Mortgages to Proportunity’s panel of brokers will enable us to expand our reach, and offer a real solution to people with limited deposits struggling to purchase a home of their own.”

“With interest rates predicted to rise again this year, and property prices continuing to increase, we anticipate that a growing number of prospective purchasers will be finding it harder to get onto the housing ladder, or to move further up it,” he adds.

According to Affinity Mortgages adviser, Eric Miller, the partnership has allowed Affinity clients to get on the property ladder without incurring significant delays.

“Proportunity has given a number of my clients the chance to purchase properties they would not have been able to afford unless they continued to save for a significant period of time,” he says.

Last year, Proportunity raised £105m in funding to expand its team and modify its product range to allow a maximum loan size of £150,000, up from £90,000.