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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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Building up a deposit is one of the biggest hurdles to getting on the property ladder. Rising house prices mean first-time buyers often need to put down tens of thousands of pounds as a deposit. Unless you’re earning a fortune, or are lucky enough to have family prepared to stump up the cash on your behalf, that means saving hard.
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