Many first time buyers in recent years will have seen the value of their homes remain flat, or possibly even fall.
It means that those looking to move on may be facing a shortfall running into tens of thousands of pounds.
And research conducted by Lloyds TSB has found that one in six (16%) are considering going back to their family to ask for financial support.
Parents hopeful of helping their offspring trade upwards face a hefty bill, however, as the additional capital needed by second steppers to trade up currently stands at an average of £41,000; an almost 200% (194%) increase on the £14,000 that was required 10 years ago.
Two thirds of first-time buyers are currently living in flats (43%) or terraced houses (25%); with an average value of a flat at £148,502.
Meanwhile, over half hope their next move will be to a three bedroom house. The average price for a semi-detached house currently stands at £189,312.
"We already know that second steppers face a number of tough challenges, and in many ways have been the hardest hit by the subdued housing market, so it is unsurprising that they are struggling to fund the gap needed to trade up to their preferred second home," said Stephen Noakes, mortgage director of Lloyds TSB.
"Parents have long been helping to fund their children's first home, but many are now having to provide further support as they move up the ladder."
Find the best low deposit mortgage for your first home.
Disclaimer: Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time.
Moneyfacts.co.uk will, like most other websites, place cookies onto your computer’s
hard drive. This includes tracking cookies.