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They are not contradictions; they are averages of different groups, places, times and definitions.

| Source | Who is counted | Where | When | What counts as a deposit |
|---|---|---|---|---|
| **A: High-street lender, £53,414** | First-time buyers approved for mortgages by that specific lender | UK-wide/lender’s national mortgage book, including London | 2025 | Mortgage deposit at completion: purchase price minus mortgage; may include gifted funds; not a minimum required |
| **B: Building society, £34,500** | First-time buyer mortgage customer…

Here is why these three figures do not contradict each other, despite how they are often framed in the media. 

### 1. The Hidden Variables
Each figure is answering a slightly different question because of hidden variables in their methodology:

*   **Source A (£53,414):** 
    *   **Who is counted:** Only buyers who applied to—and successfully met the lending criteria of—*this specific high-street lender*. It excludes buyers who used other banks or were rejected.
    *   **Where:** The whole of the UK (which means the massive deposits in Londo…