Deposit percentage guide
How much mortgage with 10 percent deposit?
Think of the deposit percentage as one part of the picture. It affects loan-to-value and often the rates available, but many lenders will still focus just as heavily on income and committed costs before they decide how much to offer.
Short answer
A 10% deposit can be enough to buy, but it does not set the mortgage amount on its own. The practical answer depends on salary, monthly commitments, credit profile, and whether the rate still feels affordable once you stress-test it.
Try your own numbers
Use the calculators to test a more realistic scenario with your own salary, deposit, property target, and monthly commitments.
Test a 10% deposit in the affordability calculator
Use a prefilled deposit and property-price example, then change the salary and costs to match your own case.
Check the upfront cash in the stamp duty calculator
Sense-check tax, buyer fees, and deposit together rather than focusing on the deposit alone.
What a 10% deposit means
A 10% deposit means you are funding 90% of the purchase with the mortgage. On a £350,000 purchase, that would mean putting in around £35,000 yourself.
That matters because smaller deposits usually mean higher loan-to-value. Higher loan-to-value can narrow the products available and often pushes the monthly payment up even before you borrow more in absolute terms.
How it affects borrowing, rates, and monthly cost
A deposit does not replace affordability checks, but it changes how hard the mortgage has to work. A bigger deposit can lower the loan amount, improve product choice, and sometimes reduce the payment enough to make the budget feel much safer.
At 10%, many buyers are still in a range where comparing more than one scenario matters. A lender may accept the case, but the important question is whether the payment still looks comfortable if rates stay higher for longer.
- Lower loan-to-value can improve product choice and rates.
- A larger deposit may reduce the monthly payment more than buyers expect.
- A smaller deposit may still work, but often leaves less margin for future shocks.
Do not forget the rest of the upfront cash
The deposit is only part of the cash you need on day one. Legal fees, survey costs, moving costs, and possibly stamp duty still matter.
That is why it helps to use the affordability calculator for the borrowing side and the stamp duty calculator for the upfront-cash side instead of treating the deposit in isolation.
Planning note
Use these pages for planning only. Lender criteria, available rates, and product options can change over time.