Saving for a Deposit? Let’s Make It Feel Simpler

23rd January 2026

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Saving for a Deposit? Let’s Make It Feel Simpler.

Saving for a mortgage deposit can feel overwhelming — but it doesn’t have to. Most buyers start with 5–10%, and there are plenty of ways to build your savings without turning your life upside down.
Here’s what really matters:

Your deposit can come from savings, gifted funds or inheritance
Small, consistent habits make a huge difference

• A bigger deposit can help your rate — but you can buy with 5%
• You don’t need a perfect plan… just a starting point

Simple ways to boost your savings:
• Set a monthly target
• Automate transfers on payday
• Cut unused subscriptions
• Track your spending for a month
• Keep savings in a separate account

And remember — you’re not doing this alone. At Lilywhite Mortgages, we’ll help you understand how much you need, explore your options, and guide you every step of the way.
Your home‑buying journey starts with one small step — and we’re right here with you
 
Get in touch today: grant@lilywhitemortgages.co.uk or nina@lilywhitemortgages.co.uk
Or give us a call 07983504165 or 07394073118