“I need a 25% deposit for any property I buy.” Nope 🙅🏽‍♂️ This one feels true because it’s often repeated 🤷🏽‍♂️ but it’s far from universal. Deposit requirements vary based on: - property type - lender appetite - structure - overall risk We regularly see scenarios where: - deposits are lower - equity is used creatively - leverage is higher than expected It’s rarely a fixed percentage across the board. - #BTL or #HMO mortgages can go to as little as 15% deposit - Below Market Value deals can be funded creatively - Other properties can be used to provide security or release additional money If deposit size is what’s holding you back, it’s worth understanding what actually applies to your specific deal. 💬

Posted by Rob Peters at 2026-02-27 06:52:59 UTC