House on a seesaw

Mortgage deposit explained

  • Find out how much you need to save for a deposit
  • Learn about mortgages for people with small deposits
  • Choose the right products to save towards your deposit
  • Understand the risks of borrowing too much money

What's in this guide

100% mortgages

100% mortgages explained, the risks of borrowing the full amount of your property and 100% mortgages on offer.

How much deposit do I need for a mortgage?

Which? explains how the size of your mortgage deposit is related to mortgage deals, and how much you should save. Contains video

How to save for a mortgage deposit

Top tips on how to choose the right savings products to build up a healthy mortgage deposit and avoid the savings pitfalls.

95% mortgages

All you need to know about 95% mortgages, the risks involved and the criteria you need to meet to get a 95% mortgage.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.