Answers

How much deposit do I need for a mortgage?

Most buyers need at least a 5% deposit, but the most suitable route depends on their wider circumstances.

Last verified 8 September 2026

Most people need at least a 5% deposit to buy a home, although the right route depends on your income, credit history and the property you want to buy.

What does a 5% deposit look like?

On a £200,000 home, a 5% deposit is £10,000. A larger deposit can give you access to more options, but it is not the only thing a lender will consider.

If you are unsure where you stand, a conversation can help you understand your realistic next step.

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