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Home deposit explained

A deposit is cash contributed toward a property purchase. A larger deposit generally means a smaller amount needs to be financed, subject to the actual transaction.

Educational guideReviewed: 28 September 2026

Deposit percentage

Deposit percentage can be calculated by dividing the deposit by the property price.

Amount left to finance

In a simple planning model, the amount left to finance is the property price less the deposit.

Minimum deposits

Actual lender requirements can differ by borrower, property and product. The calculator does not set a lender's minimum deposit.

Source and review note

Time-sensitive rules should be checked against the current official source and the applicable date. This page is intended as general educational information.

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