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Deposit Ladder Calculator UK

Explore how each bigger deposit rung could reduce your loan, lower your monthly mortgage payment and change how long it may take to get there.

Calculator inputs

Optional. Useful for estimating improving equity while you wait.
Estate agent, legal fees, EPC, removals, etc.
Available funds now £20,000.00
Effective deposit percentage 8.00%
Current estimated LTV 92.00%
Example: 5,10,15,20,25
Current position 5% deposit
Next rung 10% deposit
Time to next rung 1y 2m
Monthly repayment at current rung £1,203.38
Monthly repayment at next rung £1,173.75

Deposit ladder comparison

Each rung shows the deposit target, total buying costs, available funds and the mortgage that would remain.

Deposit rung Property value Deposit needed Total buying costs Total cash needed Available funds Extra still needed Time to reach Mortgage needed LTV Est. monthly repayment
5% deposit £250,000.00 £12,500.00 £3,500.00 £16,000.00 £20,000.00 £0.00 Already there £237,500.00 95.00% £1,203.38
10% deposit £257,391.24 £25,739.12 £3,500.00 £29,239.12 £29,683.83 £0.00 1y 2m £231,652.11 90.00% £1,173.75
15% deposit £268,330.81 £40,249.62 £3,500.00 £43,749.62 £44,428.52 £0.00 2y 10m £228,081.18 85.00% £1,155.65
20% deposit £279,153.76 £55,830.75 £3,500.00 £59,330.75 £59,496.24 £0.00 4y 5m £223,323.00 80.00% £1,131.54
25% deposit £291,018.27 £72,754.57 £3,500.00 £76,254.57 £76,558.34 £0.00 6y 1m £218,263.70 75.00% £1,105.91

Headline comparisons

Monthly repayment gap: lowest vs highest rung £97.47
Loan reduction: lowest vs highest rung £19,236.30
Total interest gap: lowest vs highest rung £15,852.00
Highest rung reached within horizon 25% deposit

How to read the ladder

  • Available funds can include both cash savings and net equity released from selling your current home.
  • Buying costs include Stamp Duty / LTT / LBTT plus any other upfront buying costs you enter.
  • Each rung uses the property value projected at the point that rung is reached, so the target can rise while you save.
  • Monthly mortgage payments are estimated using a standard repayment mortgage at the single mortgage rate entered above.
  • It does not automatically change the mortgage rate for lower LTV bands, even though better pricing may be possible in reality.
  • Figures are planning estimates and do not replace lender affordability checks, product fees or professional advice.

What this deposit ladder calculator shows

This tool is designed to help you compare common house deposit milestones such as 5%, 10%, 15%, 20% and 25%. For each rung it estimates the deposit needed, the mortgage amount, the resulting loan-to-value and the approximate repayment on a standard repayment mortgage.

Why climbing the deposit ladder matters

A larger deposit usually means a smaller mortgage, a lower loan-to-value ratio and potentially better mortgage pricing. Even where interest rates do not change, a bigger deposit can still reduce monthly repayments and total interest over time.

How the timing estimate works

The calculator uses your current savings, monthly saving amount and assumed savings return to estimate when each rung may be reached. It also allows for house price growth, which means the target deposit can rise while you save.

Important note

Mortgage pricing does not move in a perfect line with deposit size and lenders use their own criteria, fees and affordability checks. Treat this tool as a planning guide rather than a guaranteed quote.

This calculator provides general estimates only and does not constitute financial, tax, or legal advice.