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        Updated: April 12, 2024

        Mortgage Deposits

        We have all the information you'll need across a host of different articles about different forms of deposit ready for your mortgage application.

        No impact on your credit score

        In the vast majority of cases, you won’t get a mortgage without some form of deposit, but how much you need and where it can come from varies across the market.

        With this in mind, it’s a good idea to do some research before you apply for your mortgage. We’ve got you covered here, as our articles below compile everything you need to know about mortgage deposits, including how much you’ll need, what sources are acceptable and more.

        A Guide to Mortgage Deposits

        All you need to know about mortgage deposits, including what amount lenders insist on, where your funds can come from and how to evidence them.

        Second Home Mortgage Deposits

        Find out how much deposit you will need to put down if you’re getting a mortgage to buy a second home, and what variables affect this.

        Bad Credit Mortgage Deposits

        Here you’ll learn how much extra mortgage deposit you will need to put down to get approved by a lender if you have bad credit.

        Gifted Mortgage Deposits

        Everything you need to know if you’re applying for a mortgage with a gifted deposit, including which lenders might approve you and more.

        Large Mortgage Deposits

        How to get the best mortgage deal if you have a large deposit and how the right broker can make that money go further.

        Buy-to-Let Mortgage Deposits

        A complete guide to buy-to-let mortgage deposits, including how much lenders ask for, where the funds can come from and how to evidence their origin.

        Using a Loan for a Mortgage Deposit

        Find out how you can borrow money to fund your mortgage deposit, which lenders accept this and how a broker can boost your chances of approval.

        Low Deposit Mortgages

        A rundown of your options if you’re applying for a mortgage with a low deposit, including schemes you could use and how a broker can help.

        No Deposit Mortgages

        Find out what your options are if you need a mortgage but don’t have any deposit to put down, and how a broker can help.

        Mortgages for Concessionary Purchase Homes

        How to get the right advice if you are getting a mortgage to buy a concessionary purchase property

        Mortgage Deposit Requirements

        Find out how much deposit you need to get the best mortgage deal and how to evidence these funds

        Deposit Unlock Mortgages

        Essential reading for anyone applying for a mortgage through the Deposit Unlock scheme

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        FCA Disclaimer

        *Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us as well as any of our own are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

        Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.