Working out your deposit? Let's get you a real number.

This depends on the lender, the property and your overall financial situation, so there's no single figure that applies to everyone. Some buyers can purchase with a smaller deposit through certain schemes or lenders mortgage insurance, while others may need more depending on their circumstances. We can talk you through what applies to you.

A smaller deposit is possible, but it often comes with lenders mortgage insurance or other conditions attached. Whether that trade off makes sense depends on your situation, including how the numbers stack up against waiting and saving more.

Lenders generally accept a mix of sources, though each comes with its own requirements and evidence a lender will want to see. It's best to talk to us about what you're planning to use so we can confirm it fits what your chosen lender needs.

It doesn't necessarily mean you can't buy. There may be other pathways available depending on your situation, so it's worth having a conversation before ruling anything out based on the calculator alone.