Ours was 5% deposit 20% HTB and 75% Mortgage. By only needing 5% deposit we already had some money spare to get the ball rolling. If you plan to stay then i think its the only way to go.
If you know you aren't going to stay there then I suppose people must just sell up and cover it that way
Well, 20% HTB and 5% from ourselves obviously guarantees the lowest monthly mortgage repayments but if 10% HTB and 5% from ourselves doesn't yield that big a difference then it is worth looking at. It's the difference between paying back £50k or £25k on the property we are buying. Can pay back £25k easily within the 5 years if the monthly mortgage payments are right. Paying back £50k within 5 years is, well, impossible. Without taking a personal loan at the end or remortgaging for the difference + equity etc.