"Figure 5: Average deposit as a percentage of average dwelling price","" "UK, Quarter 1 (Jan to Mar) 2003 to Quarter 4 (Oct to Dec) 2016","" "","" "Notes","1. Data are published in [HPI Quarterly Tables, Table 15](https://www.ons.gov.uk/economy/inflationandpriceindices/datasets/housepriceindexmonthlyquarterlytables1to19). 2. The data used to produce the chart are taken from the Council of Mortgage Lenders (CML) and cover 70% of all purchases with mortgages. Cash sales are not covered in this analysis." "Unit","%" "","" "","Deposit Ratio - First-time buyers","Deposit Ratio - Former owner occupiers" "Q1 2003","22.2","36.7" "Q2 2003","23.0","37.6" "Q3 2003","23.9","39.9" "Q4 2003","23.4","38.7" "Q1 2004","24.5","40.5" "Q2 2004","23.3","40.4" "Q3 2004","23.7","40.4" "Q4 2004","24.6","39.8" "Q1 2005","24.5","41.1" "Q2 2005","23.9","38.7" "Q3 2005","21.9","38.5" "Q4 2005","16.3","36.1" "Q1 2006","17.4","37.6" "Q2 2006","17.1","37.0" "Q3 2006","17.9","38.5" "Q4 2006","17.0","37.9" "Q1 2007","17.4","37.2" "Q2 2007","17.6","36.8" "Q3 2007","18.6","38.3" "Q4 2007","18.9","38.0" "Q1 2008","19.9","38.5" "Q2 2008","21.6","38.3" "Q3 2008","26.6","41.3" "Q4 2008","27.5","42.5" "Q1 2009","29.3","42.6" "Q2 2009","30.3","41.9" "Q3 2009","31.4","42.9" "Q4 2009","31.8","42.3" "Q1 2010","33.0","42.8" "Q2 2010","31.5","42.2" "Q3 2010","30.6","42.2" "Q4 2010","29.1","40.8" "Q1 2011","29.0","40.6" "Q2 2011","28.5","40.3" "Q3 2011","29.3","40.7" "Q4 2011","27.9","39.7" "Q1 2012","26.4","39.9" "Q2 2012","26.7","39.3" "Q3 2012","26.3","40.4" "Q4 2012","26.0","40.0" "Q1 2013","25.8","39.6" "Q2 2013","25.0","39.6" "Q3 2013","25.7","40.1" "Q4 2013","24.8","38.6" "Q1 2014","24.6","38.6" "Q2 2014","24.0","37.8" "Q3 2014","24.6","39.6" "Q4 2014","24.3","38.7" "Q1 2015","24.9","38.0" "Q2 2015","23.5","37.3" "Q3 2015","24.1","38.9" "Q4 2015","23.5","38.2" "Q1 2016","23.6","37.9" "Q2 2016","22.9","38.0" "Q3 2016","22.9","38.7" "Q4 2016","23.6","38.7"