Unacceptable 'advice' from the bank?

[vikihayden101]

I am a young woman currently still living at home (aged 25) to save up in order to buy my own home. I have enough saved for around a 5% deposit on a modest 1 bed flat in the greater London area. I went to the bank for a mortgage meeting and the adviser asshole gave me the following advice;

'To buy alone you will need 15% deposit which from your saving rate will be another two years. Have you got any grandparents that are likely to pass away within that time? Are your parents able to give you the money?'

When I answered no to both of these outrageous questions, he proceeded to advise me to play the lottery!!!!!

AIBU or is this is the only advice for first time buyers? I was expecting a saving plan or tips on how to get a great credit rating, instead I got offensive and ridiculous 'advice'.

Seems a bit off to me. I mean what if you have!

YANBU, although they probably didn't mean it to be as bad as it came across.

You might not like the message but he's probably right - unless you are likely to inherit anything or get a handout from parents, then it'll take a couple of years to save what you need (barring a lottery win, haha). He's not a comedian, and he's not a financial adviser, he's a mortgage adviser, and he gave you some mortgage advice.

Try the skipton building society. I got a mortgage through them with a small deposit and my parents as guarantors which other places didn't offer.