{
  "table": "down-payment-calculator-rules",
  "schema": 1,
  "version": "2026-11-11.2",
  "title": "Deposit and apport benchmarks: France and United Kingdom",
  "doc": "Rule table read by the down-payment-calculator handler (ctx.data['down-payment-calculator-rules']). Percentages are percentage points (79.9 means 79,9 %); money is in major units of the country's currency. Nothing here changes the deposit, loan or loan-to-value arithmetic, which is pure maths: these are the official figures the calculator compares a deposit with. France has no legal minimum apport (the HCSF decision D-HCSF-2021-7 caps the debt-service ratio and the term, not the loan-to-value), so the French entries are the notaries' indicative acquisition-cost ranges and the ACPR's average loan-to-value of new home loans. United Kingdom: the Bank of England's loan-to-value bands with the latest monthly average quoted 2-year fixed rate of each band, the 2025 Mortgage Guarantee Scheme band, and the Lifetime ISA rules that change how fast a first-time buyer saves a deposit. Table-level valid_from/valid_until bound the period during which this version may be relied on: the Bank of England publishes new quoted rates every month, so the table must be reviewed before 1 January 2027. Entry-level valid_from/valid_until bound each value (for a statistic, the period it describes); a null valid_until means in force until changed. source_url is the primary source, source_date that source's own date, retrieved the date the value was read there.",
  "reviewed_on": "2026-11-11",
  "reviewed_by": "apps-calculators agent (automated research against official sources, 2026-11-11); owner review pending",
  "valid_from": "2026-11-11",
  "valid_until": "2026-12-31",
  "locale_country": {
    "fr-FR": "FR",
    "en-GB": "GB"
  },
  "countries": {
    "FR": {
      "name": {
        "fr-FR": "France",
        "en-GB": "France"
      },
      "currency": "EUR",
      "acquisition_costs": {
        "id": "fr-acquisition-costs",
        "rule": "Indicative acquisition costs ('frais de notaire': transfer taxes, notary's fees and disbursements) as a share of the price, published by the Conseil supérieur du notariat: about 7 to 8 % for an existing home and 2 to 3 % for a new one. The calculator only quotes these ranges when no costs are entered; it never uses them in the figures.",
        "existing_low": 7,
        "existing_high": 8,
        "new_low": 2,
        "new_high": 3,
        "valid_from": "2025-11-25",
        "valid_until": null,
        "source_url": "https://www.notaires.fr/fr/immobilier-fiscalite/financement/acquerir-en-frais-de-notaire-reduits",
        "source_date": "2025-11-25",
        "retrieved": "2026-11-11"
      },
      "average_ltv": {
        "id": "fr-acpr-average-ltv-2025",
        "rule": "Average ratio of the loan amount to the value of the property financed (loan to value) of new home loans granted in France in 2025, as measured by the Autorité de contrôle prudentiel et de résolution.",
        "value": 79.9,
        "year": 2025,
        "valid_from": "2025-01-01",
        "valid_until": "2025-12-31",
        "source_url": "https://acpr.banque-france.fr/system/files/2026-07/202607_AS183_Financement_habitat_2025.pdf",
        "source_date": "2026-07-15",
        "retrieved": "2026-11-11"
      }
    },
    "GB": {
      "name": {
        "fr-FR": "Royaume-Uni",
        "en-GB": "United Kingdom"
      },
      "currency": "GBP",
      "ltv_bands": {
        "id": "gb-boe-quoted-2y-fixed",
        "rule": "The Bank of England publishes, every month, the average of the lowest quoted rates on 2-year fixed-rate mortgages for loans of 60 %, 75 %, 85 %, 90 % and 95 % loan to value (loan as a percentage of the property value), products restricted to first-time buyers excluded, loans generally of £25,000 to £500,000. A loan belongs to the smallest band at or above its loan to value.",
        "period": "2026-10",
        "bands": [
          {
            "id": "gb-ltv-60",
            "ltv": 60,
            "rate": 5.25,
            "series": "IUMZICQ",
            "valid_from": "2026-10-01",
            "valid_until": "2026-10-31",
            "source_url": "https://www.bankofengland.co.uk/boeapps/database/_iadb-fromshowcolumns.asp?csv.x=yes&Datefrom=01/Jan/2026&Dateto=31/Dec/2026&SeriesCodes=IUMZICQ&CSVF=TN&UsingCodes=Y&VPD=Y&VFD=N",
            "source_date": "2026-10-31",
            "retrieved": "2026-11-11"
          },
          {
            "id": "gb-ltv-75",
            "ltv": 75,
            "rate": 5.39,
            "series": "IUMBV34",
            "valid_from": "2026-10-01",
            "valid_until": "2026-10-31",
            "source_url": "https://www.bankofengland.co.uk/boeapps/database/_iadb-fromshowcolumns.asp?csv.x=yes&Datefrom=01/Jan/2026&Dateto=31/Dec/2026&SeriesCodes=IUMBV34&CSVF=TN&UsingCodes=Y&VPD=Y&VFD=N",
            "source_date": "2026-10-31",
            "retrieved": "2026-11-11"
          },
          {
            "id": "gb-ltv-85",
            "ltv": 85,
            "rate": 5.47,
            "series": "IUMZICR",
            "valid_from": "2026-10-01",
            "valid_until": "2026-10-31",
            "source_url": "https://www.bankofengland.co.uk/boeapps/database/_iadb-fromshowcolumns.asp?csv.x=yes&Datefrom=01/Jan/2026&Dateto=31/Dec/2026&SeriesCodes=IUMZICR&CSVF=TN&UsingCodes=Y&VPD=Y&VFD=N",
            "source_date": "2026-10-31",
            "retrieved": "2026-11-11"
          },
          {
            "id": "gb-ltv-90",
            "ltv": 90,
            "rate": 5.6,
            "series": "IUMB482",
            "valid_from": "2026-10-01",
            "valid_until": "2026-10-31",
            "source_url": "https://www.bankofengland.co.uk/boeapps/database/_iadb-fromshowcolumns.asp?csv.x=yes&Datefrom=01/Jan/2026&Dateto=31/Dec/2026&SeriesCodes=IUMB482&CSVF=TN&UsingCodes=Y&VPD=Y&VFD=N",
            "source_date": "2026-10-31",
            "retrieved": "2026-11-11"
          },
          {
            "id": "gb-ltv-95",
            "ltv": 95,
            "rate": 5.88,
            "series": "IUM2WTL",
            "valid_from": "2026-10-01",
            "valid_until": "2026-10-31",
            "source_url": "https://www.bankofengland.co.uk/boeapps/database/_iadb-fromshowcolumns.asp?csv.x=yes&Datefrom=01/Jan/2026&Dateto=31/Dec/2026&SeriesCodes=IUM2WTL&CSVF=TN&UsingCodes=Y&VPD=Y&VFD=N",
            "source_date": "2026-10-31",
            "retrieved": "2026-11-11"
          }
        ],
        "definition_url": "https://www.bankofengland.co.uk/statistics/details/further-details-about-quoted-household-interest-rates-data",
        "overview_url": "https://www.bankofengland.co.uk/statistics/visual-summaries/quoted-household-interest-rates",
        "valid_from": "2026-10-01",
        "valid_until": "2026-10-31",
        "source_url": "https://www.bankofengland.co.uk/boeapps/database/_iadb-fromshowcolumns.asp?csv.x=yes&Datefrom=01/Jan/2026&Dateto=31/Dec/2026&SeriesCodes=IUMZICQ,IUMBV34,IUMZICR,IUMB482,IUM2WTL&CSVF=TN&UsingCodes=Y&VPD=Y&VFD=N",
        "source_date": "2026-10-31",
        "retrieved": "2026-11-11"
      },
      "guarantee_scheme": {
        "id": "gb-mortgage-guarantee-scheme-2025",
        "rule": "2025 Mortgage Guarantee Scheme, permanently available from July 2025 throughout the United Kingdom: HM Treasury guarantees participating lenders against part of their losses on loans with a loan to value of more than 90 % and at most 95 % (scheme rules, rule 7.1), so that eligible first-time buyers and home movers can buy with a deposit as small as 5 %.",
        "ltv_above": 90,
        "ltv_max": 95,
        "valid_from": "2025-07-15",
        "valid_until": null,
        "source_url": "https://www.gov.uk/government/publications/2025-mortgage-guarantee-scheme",
        "source_date": "2025-07-15",
        "retrieved": "2026-11-11",
        "rules_url": "https://www.gov.uk/government/publications/2025-mortgage-guarantee-scheme/2025-mortgage-guarantee-scheme-rules-accessible"
      },
      "lifetime_isa": {
        "id": "gb-lifetime-isa",
        "rule": "Lifetime ISA: opened from 18 and before 40, paid into until 50; up to £4,000 a year paid in, with a 25 % government bonus (at most £1,000 a year). It can go towards a first home bought with a mortgage, through a conveyancer, at least 12 months after the first payment in, for a property costing £450,000 or less; above that a 20 % withdrawal charge applies, which takes back the bonus. Each buyer can use their own Lifetime ISA. Applies across the United Kingdom.",
        "annual_limit": 4000,
        "bonus_rate": 25,
        "max_bonus": 1000,
        "property_limit": 450000,
        "over_limit_charge": 20,
        "min_months": 12,
        "max_accounts": 2,
        "valid_from": "2017-04-06",
        "valid_until": null,
        "source_url": "https://www.gov.uk/lifetime-isa",
        "source_date": "2024-11-08",
        "retrieved": "2026-11-11"
      }
    }
  },
  "sources": [
    {
      "label": "Notaires de France: Frais de notaire réduits lors de l’acquisition d’un bien dans le neuf (about 7 to 8 % in existing homes, 2 to 3 % in new ones)",
      "url": "https://www.notaires.fr/fr/immobilier-fiscalite/financement/acquerir-en-frais-de-notaire-reduits",
      "date": "2025-11-25"
    },
    {
      "label": "ACPR, Analyses et synthèses n° 183, Le financement de l’habitat en 2025: average LTV at origination 79.9 % in 2025",
      "url": "https://acpr.banque-france.fr/system/files/2026-07/202607_AS183_Financement_habitat_2025.pdf",
      "date": "2026-07-15"
    },
    {
      "label": "Légifrance: décision n° D-HCSF-2021-7 du 29 septembre 2021 (debt-service ratio at most 35 %, term at most 25 years; no loan-to-value limit)",
      "url": "https://www.legifrance.gouv.fr/jorf/id/JORFTEXT000044178669",
      "date": "2021-09-29"
    },
    {
      "label": "Bank of England database: quoted 2-year fixed-rate mortgage rates at 60, 75, 85, 90 and 95 % LTV (series IUMZICQ, IUMBV34, IUMZICR, IUMB482, IUM2WTL), October 2026 (CSV export)",
      "url": "https://www.bankofengland.co.uk/boeapps/database/_iadb-fromshowcolumns.asp?csv.x=yes&Datefrom=01/Jan/2026&Dateto=31/Dec/2026&SeriesCodes=IUMZICQ,IUMBV34,IUMZICR,IUMB482,IUM2WTL&CSVF=TN&UsingCodes=Y&VPD=Y&VFD=N",
      "date": "2026-10-31"
    },
    {
      "label": "Bank of England: further details about quoted household interest rates data (definition of the LTV bands)",
      "url": "https://www.bankofengland.co.uk/statistics/details/further-details-about-quoted-household-interest-rates-data",
      "date": "2023-01-31"
    },
    {
      "label": "GOV.UK: 2025 Mortgage Guarantee Scheme and its rules (rule 7.1: loan to value above 90 % and up to 95 %)",
      "url": "https://www.gov.uk/government/publications/2025-mortgage-guarantee-scheme",
      "date": "2025-07-15"
    },
    {
      "label": "GOV.UK: Lifetime ISA (overview, who can open one, withdrawing money)",
      "url": "https://www.gov.uk/lifetime-isa",
      "date": "2024-11-08"
    }
  ]
}