What it means
Your deposit is the cash chunk you put in when you buy. This shows how much that is at common percentage levels.
Buying
Deposit calculator
How much cash deposit you need at common percentage levels.
Why it matters
A bigger deposit usually means a smaller mortgage and often a better rate. It also means more cash tied up on day one.
When to use it
Use it when saving toward a first offer, or when comparing how much cash different price points need.
How to read the result
Match the percentage to the mortgage deals you can get. Five to ten percent is common for first buyers; more often opens better rates.
Your figures
Methodology
Rules checked against published sources as of 2025-04-01.
- Deposit is property price multiplied by your chosen percentage.
- Common bands show deposits at 5% to 30% of the price (95% to 70% LTV).
Related calculators
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Pair the numbers with area intelligence for a postcode.
FAQs
Which deposit percentage should I use?
Many first-time buyers aim for 10% or more, but lenders set their own minimums. Use the bands to compare cash needed at different LTVs.