My partner (now wife) & I struggled to fund a house purchase 5 years ago when we were just starting on the property ladder. We ended up gettin 100% funding (total 86500) through a "normal" fixed rate mortage with Abbey National for 90% of the property value and a second charge secured loan for the remaining 10%. The second charge loan is at a fairly high rate (currently >8%)
The hefty redemption penalty on the Abbey National part runs out soon, so it's time to remortgage. Now that the outstanding mortgage amount is