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Potential first-time buyers must typically save for eight years to afford a deposit to buy a home, data suggests. A typical 20% deposit in London is now more than £80,000, according to the.
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In Toronto, deposits are now usually up to 5 per cent of the sale price. In Brampton, it is closer to 2 per cent. In some areas of Ontario, deposits can be as little as a few hundred dollars.
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The payment of a deposit by the buyer on exchange of contracts is intended to act as part payment towards the purchase. It is also to show an ‘intention’ to buy the property and to give the seller protection if the buyer withdraws from the Conveyancing transaction; if this were to happen, the buyer would forfeit their deposit.
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To pay for the rest of the property you'll need to get a 5% deposit mortgage; either a 95% mortgage (available through Help to Buy Mortgage Guarantee scheme until Dec 2016) or a 75% mortgage with the support of a 20% Help to Buy Equity Loan.
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