Mortgage figures for Northern Ireland, from the Financial Conduct Authority.
In 2024, 31 per cent of adults in Northern Ireland had a residential mortgage on the property they lived in.
Source: Financial Lives 2024 survey: Annex A (Product holdings), Financial Conduct Authority, 2024
Survey estimate, base all UK adults; fieldwork 5 February to 16 June 2024; unweighted base 1081
In 2024, 11 per cent of adults in Northern Ireland with a residential or lifetime mortgage had mortgage debt of at least four times their annual household income.
Source: Financial Lives 2024 survey: Mortgages (slide-based report), Financial Conduct Authority, 2024
Survey estimate, base UK adults with a residential or lifetime mortgage, excluding don't know and prefer not to say; fieldwork 5 February to 16 June 2024
The median loan-to-value ratio on new regulated mortgage sales in Northern Ireland was 75 per cent in the fourth quarter of 2025.
Source: Mortgages Product Sales Data (PSD) quarterly 2025 tables, Financial Conduct Authority, Q4 2025
New regulated mortgage sales by postcode region; excludes internal product transfers, further advances and second charge.
The median loan amount on new regulated mortgage sales in Northern Ireland was £147,000 in the fourth quarter of 2025.
Source: Mortgages Product Sales Data (PSD) quarterly 2025 tables, Financial Conduct Authority, Q4 2025
New regulated mortgage sales by postcode region; excludes internal product transfers, further advances and second charge.
The median loan amount on new regulated mortgage sales in Northern Ireland was £116,000 in the fourth quarter of 2021.
Source: Mortgages Product Sales Data (PSD) quarterly 2025 tables, Financial Conduct Authority, Q4 2021
New regulated mortgage sales by postcode region; excludes internal product transfers, further advances and second charge.
In 2024, 31 per cent of adults in Northern Ireland had a residential mortgage on the property they lived in. In 2024, 11 per cent of adults in Northern Ireland with a residential or lifetime mortgage had mortgage debt of at least four times their annual household income. The median loan-to-value ratio on new regulated mortgage sales in Northern Ireland was 75 per cent in the fourth quarter of 2025.
In 2024, 31 per cent of adults in Northern Ireland had a residential mortgage on the property they lived in.
In 2024, 11 per cent of adults in Northern Ireland with a residential or lifetime mortgage had mortgage debt of at least four times their annual household income.
The median loan-to-value ratio on new regulated mortgage sales in Northern Ireland was 75 per cent in the fourth quarter of 2025.