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Borrowers able to access the lowest Northern Rock rates will save £8,965 (including arrangement fees) over two years on a £200,000 mortgage compared with those able to take a fixed-rate with the smallest deposit available.
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The Treasury is also likely to charge more to effectively insure loans to borrowers with the smallest deposits.
0, entirely negative; 1, a single small deposit; 2, multiple small deposits, disseminated; 3, multiple small deposits, plus an area with a larger patch; 4, diffuse moderate numbers of deposits; 5, diffuse, frequent numbers of deposits.
If you only have a small deposit then HSBC and Yorkshire Bank have good deals.
She suggests asking for a small deposit from everyone in the family, including children.
"You will still pay more if you have a small deposit but there is a lot more choice and innovation".
For a relatively small deposit and regular payments thereafter, people could buy lots and build on them.
Q We are first-time buyers and have a small deposit but obviously a larger one would be better.
On average, first-time buyers in Wales put down a smaller deposit than in the UK overall.
("There would be a small deposit of gray sand in the bottom from Turkey Boy's gritty mouth").
However I am worried that if we buy now we will have a smaller deposit with larger monthly repayments.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com