To obtain a mortgage, first-time homebuyers in the UK need to save a deposit amounting to about ** percent of the property purchase price. The higher the property value and the loan amount, the higher the deposit. In 2024, the average first-time buyer deposit in the UK was about ****** British pounds, but in the most expensive region, Greater London, the deposit amount was more than double. The share of the deposit was also much higher than in other regions in the UK. How has the house price for first-time buyers changed over time? Housing bought by first-time buyers has become increasingly pricier since 2000, making it harder for renters to get on the property ladder. By 2024, the average house price had tripled. The price also varied in different regions, with the North East being the least expensive and Greater London – the most expensive. Which are the most affordable areas for first-time buyers? While housing in certain areas can be pricy, this does not necessarily make it unaffordable, as the standard of living may also be higher. In 2020, the most affordable towns for first-time buyers were found in the North West region (Burnley) and Scotland (East Ayshire, North Ayshire, Inverclyde, West Dunbartonshire).

Despite the Office for National Statistics (ONS) reporting that the actual average deposit required to buy a home was ** thousand British pounds (GBP), Santander's survey of potential first-time homeowners found the average target deposit was in some cases much lower. Even in London, where the average property price in early 2019 was over *** thousand British pounds, potential first-time homeowners had a target deposit of around **** percent of the property price (**** thousand GBP).

The issue with having a lower deposit for a new home is that it puts buyers into a higher loan-to-value mortgage ratio. Those in the North East looked to achieve the highest deposit to property price ratio at ******* percent.

Norway Deposit Rate: Weighted Average: Banks and Mortgage Companies (BM) data was reported at 0.500 % in Jun 2020. This records a decrease from the previous number of 0.600 % for May 2020. Norway Deposit Rate: Weighted Average: Banks and Mortgage Companies (BM) data is updated monthly, averaging 0.830 % from Dec 2013 (Median) to Jun 2020, with 79 observations. The data reached an all-time high of 2.220 % in Apr 2014 and a record low of 0.500 % in Jun 2020. Norway Deposit Rate: Weighted Average: Banks and Mortgage Companies (BM) data remains active status in CEIC and is reported by Statistics Norway. The data is categorized under Global Database’s Norway – Table NO.M001: Deposit Rate.

Graph and download economic data for Loan Performance: Total Loans and Leases: Average Outstanding (QBPLNTLNAVGOUT) from Q1 1984 to Q1 2025 about leases, average, loans, and USA.

As of September 2023, the average home deposit for first-time buyers who had to pay a ** percent deposit in Auckland, New Zealand was ****** New Zealand dollars. For buyers who had to pay a ** percent deposit for a house in Auckland, the average was ******* New Zealand dollars.

This report analyses mortgage affordability in New Zealand, which is presented as the proportion of a household's monthly earnings left over after a mortgage repayment. This is calculated using the average monthly repayment for a standard 30-year loan on the median house price with a 20% deposit. An increase in the percentage indicates the average mortgage becoming more affordable for households. The data for this report is calculated from information sourced from Statistics New Zealand (Tatauranga Aotearoa) and the Reserve Bank of New Zealand (Te Putea Matua) and is presented as a percentage of average household earnings.

In the fiscal year 2023, the loan-to-deposit ratio (LDR) of city banks in Japan stood at **** percent. This was below the domestic average of **** percent. The loan-to-deposit ratio is an indicator of liquidity.

Current Deposit & Loan Rates - These rates are compiled from information reported by the commercial banks to the Economic Information and Publications Department. The rates of interest being offered on time deposits relate to amounts J$100,000 and over. The savings rate represents an average range of rates offered on all categories of savings deposits. The average lending rate is a simple average of the range of interest rates offered on demand loans only.

Domestic Interest Rates (Commercial Banks Weighted Deposit Rates) - Compiled from monthly reports submitted by the commercial banks. These rates are based on actual volumes of all local currency deposits and loans extended at non zero rates of interest.

Domestic Interest Rates (Commercial Banks Weighted Time Deposit Rates) - Compiled from monthly reports submitted by the commercial banks. These rates are based on actual volumes of all local currency deposits and loans extended at non zero rates of interest.

Domestic Interest Rates (Commercial Banks Weighted Loan Rates) - Compiled from monthly reports submitted by the commercial banks. These rates are based on actual volumes of all local currency deposits and loans extended at non zero rates of interest.

Foreign Currency Interest Rates (Commercial Banks Weighted Time Deposit Rates) - Compiled from monthly reports submitted by the commercial banks. These rates are based on actual volumes of all foreign currency deposits and loans extended at non zero rates of interest.

Foreign Currency Interest Rates (Commercial Banks Weighted Loan Rates) - Compiled from monthly reports submitted by the commercial banks. These rates are based on actual volumes of all foreign currency deposits and loans extended at non zero rates of interest.

Comparative Bank Rates & Treasury Bill Rates - The average discount rate on three-month Treasury Bills or six month Treasury Bills in the case of Jamaica. The average discount rates for respective countries are sourced from the International Financial Statistics, an International Monetary Fund publication.

Private Money Markets Interest Rates

BOJ Interest Rates On Lending Facilities For DTI's - These interest rates fall under the Enhanced Liquidity Management Framework (ELMF), which was implemented by the Bank in 2013, for DTI.

Source: http://boj.org.jm/statistics/econdata/stats_list.php?type=5

Help to Buy - Wales is a £170 million shared equity loan scheme designed to support home ownership, stimulate building activity and provide a boost to the housing sector and wider economy. Under the scheme, loans are available to buyers wishing to purchase a new-build property worth up to £300,000. Help to Buy Wales support is available to all home buyers (not just first time buyers) who wish to purchase a new home, but may be constrained in doing so – for example, as a result of deposit requirements – but who could otherwise be expected to repay a mortgage. A shared equity loan of up to a maximum of 20% of the property purchase price is available. In addition, buyers are required to provide a 5% and will then need to secure a mortgage to cover the remaining balance. All builders (of all sizes) are able to register with the scheme and sell properties through the initiative. The data shown here are aggregated from the individual transaction records recorded by Help to Buy Wales Ltd, an extract of which is supplied monthly to Welsh Government.

Zhejiang: Deposit: Saving data was reported at 3,066.600 RMB bn in Dec 2014. This records an increase from the previous number of 3,009.200 RMB bn for Nov 2014. Zhejiang: Deposit: Saving data is updated monthly, averaging 1,633.710 RMB bn from Dec 1990 (Median) to Dec 2014, with 142 observations. The data reached an all-time high of 3,126.895 RMB bn in Jun 2014 and a record low of 30.674 RMB bn in Dec 1990. Zhejiang: Deposit: Saving data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money and Banking – Table CN.KI: Loan and Deposit: Zhejiang.

This report analyses mortgage affordability in Australia, which is measured as the proportion of a household's monthly income that remains after making their mortgage repayment. This is calculated based on the average monthly repayments for a standard 25-year mortgage on the mean house price less a deposit in Australia. An increase in the percentage indicates an improvement in the affordability of the average mortgage. The data for this report is sourced from the Australian Bureau of Statistics and is measured as a percentage of average household income.

In December 2024, the value of mortgage lending to owner-occupier borrowers (excluding first-home buyers) in New Zealand amounted to around **** billion New Zealand dollars. Residential lending to investors was approximately **** billion New Zealand dollars in comparison. Housing affordability in New Zealand Many people across New Zealand have discarded the homeownership dream due to the country’s unaffordable housing supply. While average residential house prices fell across some of New Zealand’s regions in 2024, first-home buyers are still largely priced out of the market due to high mortgage repayments, interest rates, and average home deposit values. The monthly residential mortgage lending value to first-home buyers in New Zealand in December 2024 came to around *** billion New Zealand dollars, marking a slight rise from the previous month. The highest monthly value of mortgage lending to first-home buyers across the country was recorded in March 2021, during a year when average residential mortgage rates were at their lowest. Where are residential mortgage interest rates heading? According to a survey conducted in May 2023, rising interest rates were the leading property market concern among New Zealanders, with over ** percent of respondents expressing their concern. New Zealand’s average new residential mortgage interest rates were at their lowest in 2021 but have inflated greatly over the past few years. In June 2021, the average 1-year fixed interest rate for a new standard residential mortgage in New Zealand was at **** percent, with this rate rising to over *** percent by December 2023. Nonetheless, mortgage rates showed signs of leveling out at the end of 2023, and began declining in 2024.

CN: Beijing: Loan: Foreign Currency: Domestic: Household: Medium & Long Term data was reported at 0.005 USD bn in Feb 2025. This records a decrease from the previous number of 0.005 USD bn for Jan 2025. CN: Beijing: Loan: Foreign Currency: Domestic: Household: Medium & Long Term data is updated monthly, averaging 0.011 USD bn from Jan 2015 (Median) to Feb 2025, with 120 observations. The data reached an all-time high of 0.015 USD bn in Jan 2019 and a record low of 0.005 USD bn in Oct 2024. CN: Beijing: Loan: Foreign Currency: Domestic: Household: Medium & Long Term data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money and Banking – Table CN.KI: Loan and Deposit: Beijing.

CN: Beijing: Loan: Local & Foreign Currency: Domestic: NFEGAO: Short Term data was reported at 2,905.068 RMB bn in Jan 2025. This records an increase from the previous number of 2,764.064 RMB bn for Dec 2024. CN: Beijing: Loan: Local & Foreign Currency: Domestic: NFEGAO: Short Term data is updated monthly, averaging 2,250.188 RMB bn from Jan 2015 (Median) to Jan 2025, with 119 observations. The data reached an all-time high of 2,905.068 RMB bn in Jan 2025 and a record low of 1,536.536 RMB bn in Oct 2015. CN: Beijing: Loan: Local & Foreign Currency: Domestic: NFEGAO: Short Term data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money and Banking – Table CN.KI: Loan and Deposit: Beijing.

Singapore Loan to Deposit Ratios: Non-Bank: Overall data was reported at 100.100 % in Mar 2020. This records a decrease from the previous number of 102.600 % for Feb 2020. Singapore Loan to Deposit Ratios: Non-Bank: Overall data is updated monthly, averaging 106.000 % from Jan 2018 (Median) to Mar 2020, with 27 observations. The data reached an all-time high of 108.500 % in Jun 2018 and a record low of 100.100 % in Mar 2020. Singapore Loan to Deposit Ratios: Non-Bank: Overall data remains active status in CEIC and is reported by Monetary Authority of Singapore. The data is categorized under Global Database’s Singapore – Table SG.KB008: Non-Bank Loan to Deposit Ratios.

Home buyers in South Africa paid on average *** percent of home price as a deposit when taking out a mortgage loan in the second quarter of 2022. For first-time buyers, this percentage was slightly higher at *** percent.

In the fiscal year 2023, the loan-to-deposit ratio (LDR) of Resona Bank in Japan stood at around **** percent. The domestic average of city banks was at **** percent. The loan-to-deposit ratio is an indicator of liquidity.