How much deposit do I need?
Your deposit decides your mortgage rate. See what you'd need at each level for a given price, and how putting down more moves you into a cheaper rate band.
Deposit needed at each LTV
A bigger deposit (lower LTV) usually unlocks better rates.
Useful, official links
- HM Land Registry: sold prices ↗What homes nearby actually sold for.
- GOV.UK: affordable home ownership schemes ↗Shared ownership, First Homes and other schemes.
How we worked this out
What we assumed
- Loan-to-value bands shown: 60%, 75%, 80%, 85%, 90%, 95%. A lower LTV (bigger deposit) usually unlocks a better rate band.
- Deposit % and LTV use what's left of your savings once about £4,050 of Stamp Duty and fees are paid. The "saved" figure on each band adds those costs to the deposit. Rate hints are general guidance on how bands map to pricing, not live quotes.
The actual rate you're offered depends on the lender, product and your wider profile.
Where the numbers come from
Last checked 28 September 2026. These are guidance figures, not a quote or financial advice.
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