The article discusses the current state of the mortgage market in Ukraine and the challenges faced in making mortgage loans accessible, especially for young people. The main goal is to analyze the issues of mortgage loan accessibility and propose solutions using securitization tools. The key findings reveal that high costs of credit resources and low incomes hinder mortgage development, with most banks offering limited loan terms and amounts. State support programs exist but only meet the needs of a small number of eligible families. The dominant deposit-based financing model restricts mortgage lending volumes, and alternative funding sources like refinancing mechanisms are needed to expand mortgage availability.