First - time buyers must typically find £59,000 for a deposit, research shows. The figure has risen by nearly 312,000 in the past year, Halifax says.
Rising house prices and requirements for a bigger deposit as a proportion are to blame for the rise.
The average deposit - about a quarter of the asking price - is highest in London at £132,685, with Northern Ireland the lowest at £30,150. Andrew Asaam, Halifax mortgages director, said; "Raising a deposit is still the biggest struggle for those looking to take their first step on to the property ladder."