PoundWise Team: Many UK mortgages are available with a deposit of around 5%, but a larger deposit usually means a lower loan-to-value (LTV) ratio and may give you access to more competitive rates. A 10%, 15% or 20% deposit can widen your choice, although lenders will also assess your income, credit history, debts and affordability. Remember to budget for fees, surveys, moving costs and potential Stamp Duty, not just the deposit. Compare FCA-authorised lenders or speak to a regulated mortgage adviser to understand which deals may suit your circumstances.