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Most mortgages (At any reasonable %) will require more than 10% these days... you're looking at 20-25% in many cases.

In USA this isn't true. We bought a house using an FHA loan and put down less than 5% and our interest rate was lower than 3% if I remember correctly. Maybe not as reasonable as you are imagining but it was really low in our mind.

Over here in Europe larger deposits are in and getting larger.

Not in the Netherlands, just recently the mortgage-to-value ratio went from 102% to 100%, the additional 2% could be used for notary and tax costs.

When my parents bought their first house in the 90s you were able to loan ~120% of your home value so you could finance a new kitchen or even a car.

Same

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