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If you hope to be a homeowner, you need to determine your needs and calculate the initial deposit amount which can help to save. In the UK, the first time buyer requires a minimum deposit of 5% of the total property value (as per the basic mortgage calculator) which is called the 95% mortgage option for buying a house.
But it comes with many restrictions. Most lenders prefer to get at least 10% of the total value as a deposit.
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