Average FTB deposits surge 40% in the last five years📈🏡

Average FTB deposits surge 40% in the last five years📈🏡

Getting a foot on the property ladder has never been more challenging, with average deposits on a first home climbing rapidly over the last decade and pushing homeownership further out of reach for the nation’s first-time buyers.

Newly released research from Stipendium looked at the current cost facing first-time buyers when it comes to a mortgage deposit and how this has changed over the last five and 10 years. To continue reading, please Click Here


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This data shows a clear north–south split in UK housing supply. Homes for sale are rising across London and the South, while much of the North is seeing stock fall. The contrast raises questions about affordability, confidence, and whether higher supply in the South could limit house price growth into 2026.

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