You may be able to get a mortgage with a deposit of 5%, but larger deposits usually mean a lower loan-to-value (LTV) and can give you access to more competitive rates. A 10% deposit is often a useful milestone, while putting down 15% or more may open up further options, depending on the lender and your circumstances. Rates and affordability also depend on your income, credit history, debts and the property itself. Compare deals from FCA-authorised lenders or brokers, and check the latest information before applying.