Borrowing estimates for Ards and North Down, built from published survey rates and population figures.
An estimated 110,000 adults in Ards and North Down held at least one credit or loan product in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 83% of adults in Northern Ireland held at least one credit or loan product (FCA Financial Lives 2024, adults aged 18 and over) applied to 132,213 adults aged 18 and over in Ards and North Down (ONS mid-2024 population estimates, single-year ages summed).
An estimated 82,000 adults in Ards and North Down held a credit card in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 62% of adults in Northern Ireland held a credit card (FCA Financial Lives 2024, adults aged 18 and over) applied to 132,213 adults aged 18 and over in Ards and North Down (ONS mid-2024 population estimates, single-year ages summed).
An estimated 26,400 adults in Ards and North Down were overdrawn on a current account in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 20% of adults in Northern Ireland were overdrawn on a current account (FCA Financial Lives 2024, adults aged 18 and over) applied to 132,213 adults aged 18 and over in Ards and North Down (ONS mid-2024 population estimates, single-year ages summed).
An estimated 41,000 adults in Ards and North Down had a residential mortgage in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 31% of adults in Northern Ireland had a residential mortgage (FCA Financial Lives 2024, adults aged 18 and over) applied to 132,213 adults aged 18 and over in Ards and North Down (ONS mid-2024 population estimates, single-year ages summed).
An estimated 27,800 adults in Ards and North Down used buy now, pay later credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 21% of adults in Northern Ireland used buy now, pay later credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 132,213 adults aged 18 and over in Ards and North Down (ONS mid-2024 population estimates, single-year ages summed).
An estimated 8,730 adults in Ards and North Down held high-cost credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 6.6% of adults in Northern Ireland held high-cost credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 132,213 adults aged 18 and over in Ards and North Down (ONS mid-2024 population estimates, single-year ages summed).
An estimated 35,700 adults in Ards and North Down had low financial resilience in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 27% of adults in Northern Ireland had low financial resilience (FCA Financial Lives 2024, adults aged 18 and over) applied to 132,213 adults aged 18 and over in Ards and North Down (ONS mid-2024 population estimates, single-year ages summed).
An estimated 11,900 adults in Ards and North Down were in financial difficulty in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 9% of adults in Northern Ireland were in financial difficulty (FCA Financial Lives 2024, adults aged 18 and over) applied to 132,213 adults aged 18 and over in Ards and North Down (ONS mid-2024 population estimates, single-year ages summed).
The estimated population aged 16 and over in Ards and North Down was 136,873 at mid-2025.
Source: Population estimates - local authority based by single year of age (Nomis NM_2002_1), mid-year estimates, Office for National Statistics, 30 June 2025
ONS mid-2025 population estimates (published 29 July 2026 for England and Wales; Scotland and Northern Ireland as carried in the same Nomis table), local authority boundaries as of April 2023, usual residents, as returned by the Nomis 'Aged 16+' category.
An estimated 110,000 adults in Ards and North Down held at least one credit or loan product in 2024. An estimated 82,000 adults in Ards and North Down held a credit card in 2024. An estimated 26,400 adults in Ards and North Down were overdrawn on a current account in 2024.
An estimated 110,000 adults in Ards and North Down held at least one credit or loan product in 2024.
An estimated 82,000 adults in Ards and North Down held a credit card in 2024.
An estimated 26,400 adults in Ards and North Down were overdrawn on a current account in 2024.