The value of new mortgages written with deposits below 10% rose 38% to £24.7bn in the year to 30 June 2026, according to TWM Solicitors analysis. Product innovation is also continuing, including Gable’s 100% LTV range and reported plans for a 2.5% deposit equity-loan scheme for eligible first-time buyers in England.
The opportunity for advisers is substantial, but the news also reinforces that deposit size is only one part of suitability. AI tools can help organise evidence, map different deposit and repayment scenarios, and flag likely affordability pressure points; they should not replace a full assessment of income resilience, credit commitments, property costs and the client’s understanding of higher-LTV risk.