I have recently taken out a residential mortgage on a property that I live in with my family, the property belongs to my parents as they made the payments for the mortgage deposit and they also make the monthly payments (I contribute to this too).
The reason it was taken out on my name was because I have a decent paying and very stable job so my proof of income was better than anyone else's in my family as I can show payslips etc...
The worry I have now is that some day (and that day will eventually come) I would want to move out and get my own place, as I probably wouldn't be able to afford to buy a property on cash where I live (England) I would need to opt for another residential mortgage.
My question is will I have difficulty finding lenders for another residential mortgage? (considering I am currently paying off my existing one and will continue to be paying off the existing one for quite some time).