Research from Moneyfacts for the BBC revealed that 58% of mortgages on the market require a 25% deposit from borrowers.
But the firm added that the number of mortgages available had improved greatly this year, rising 66% from 1,414 in January to 2,351 now.
90% LTV deals accounted for just 8% of all mortgages currently on offer, freezing many first time buyers out of the housing market.
Michelle Slade, a spokewoman for Moneyfacts said deals were becoming more competitive.
She added: “There has been no real movement in the overall number of new mortgages available on the market in the past month, but those that are available continue to be more competitive.
"Many of the best deals are now available for a 25% deposit, having previously only been available for those with a 40% deposit."
Mortgage rates are edging down for larger LTV loans with the average 2-year fixed rate deal now averaging 4.5% compared to 4.9% in January.
And 3-year fixed rates cost an average of 5.2% now instead of 5.5% at the start of the year, and 5-year fixed rates have an average rate of 5.6% down from the 6.1% seen in January.
But the average rates are masking the much higher rates lenders are charging on high LTV loans.
Moneyfacts said a 2-year fixed deal with a 90% LTV charges 6.2% compared to a 75% LTV loan at 4.1%.
For borrowers lucky enough to have 40% equity to put into their property, rates can be as low as 4%.
