It is taking more than 11 years across the UK for first-time buyers (FTBs) to save for a 15% deposit, research from Pepper Money reveals. Some of the more difficult areas where it could take decades to save for a deposit include Windsor. With a median salary of £39,832 and an average house price of £586,184, buyers face 22 years of saving. The research shows that the remainder of the top 10 is dominated by locations in the South of England, where high property prices continue to outpace salaries. Pepper Money explains, saving for a deposit in these areas can take almost half the time compared to central London because of the lower property prices.