The 10% deposit mortgage returns

The 10% deposit mortgage returns

We take a look at three companies who offer mortgages for homebuyers with only a 10% deposit

We've decided to look at 3 companies who offer mortgages with a 10% deposit to see what's out there. We've based our analysis on buying a property for the average UK price of £250,000 at a fixed rate on a five-year term including fees added to the balance.

Tipton & Coseley building society

We found the most competitive offering was from the Tipton & Coseley building society, who offer a five-year fixed-term mortgage with no fees and an initial rate of 3.09%. This would make your monthly mortgage payments £1078.

Platform the intermediary lender of The Co-operative bank

We found that platform the intermediary lender of the Co-operative bank had the next best offering. A 5-year fixed-fee mortgage with set up fees of £1500 and at an initial rate of 3.39%. Based on this, your monthly mortgage payments would be £1,121.


Nationwide offered the third least expensive option based on our criteria. A mortgage with a 5 year fixed term, with set up fees at an initial rate of 3.44%. This would mean your mortgage payments would come out at £1,124 per calendar month.

We would also urge you to seek mortgage advice from a reputable company such as L&C. They might be able to offer you better deals that aren't otherwise available on the open market.

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