10% Deposit Mortgage: Payments & Costs
A 10% deposit puts you at 90% LTV — a popular threshold that opens up more lender options and better rates than 95% LTV.
Calculate your exact figures
Open calculator with these valuesWith a 10% deposit on a £250,000 property, you put down £25,000 and borrow £225,000 at 90% LTV.
At 90% LTV, you can typically access rates around 4.5–5.0% — noticeably better than the 5.0–6.0% at 95% LTV. On a £225,000 mortgage at 4.8% over 25 years, monthly payments would be approximately £1,290.
Compared to the 5% deposit option, the extra £12,500 deposit saves you roughly £170/month and around £40,000 in total interest over the term.
Benefits of a 10% deposit:
The next big rate improvement typically comes at 75% LTV. If you can't reach 25% deposit now, consider overpaying early to build equity faster.
Run Your Own Numbers
These figures are based on typical rates. Use our calculator with your actual mortgage details for precise projections.
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