Mortgage arrears figures for the United Kingdom, from the Bank of England, StepChange and the Financial Conduct Authority.
1.12%
Mortgage arrears share Q2 2026
Balances in arrears were 1.117 per cent of total residential loan balances in the United Kingdom at the end of the second quarter of 2026.
Source: Mortgage Lenders and Administrators Statistics, long run summary tables, Summary 3, Bank of England, Q2 2026
Not seasonally adjusted. Residential loans to individuals, regulated and non-regulated, reported by mortgage lenders and administrators. Arrears threshold: loan accounts where arrears amount to 1.5% or more of the outstanding balance, or the property is in possession (MLAR notes).
0.22%
Arrears 1.5% to under 2.5%
Balances with arrears of 1.5 per cent to under 2.5 per cent of the loan balance were 0.223 per cent of total residential loan balances in the United Kingdom at the end of the second quarter of 2026.
Source: Mortgage Lenders and Administrators Statistics, long run summary tables, Summary 3, Bank of England, Q2 2026
Not seasonally adjusted. Residential loans to individuals, regulated and non-regulated, reported by mortgage lenders and administrators. Balances in arrears by degree of arrears, as a share of total loan balances.
0.27%
Arrears 2.5% to under 5%
Balances with arrears of 2.5 per cent to under 5 per cent of the loan balance were 0.267 per cent of total residential loan balances in the United Kingdom at the end of the second quarter of 2026.
Source: Mortgage Lenders and Administrators Statistics, long run summary tables, Summary 3, Bank of England, Q2 2026
Not seasonally adjusted. Residential loans to individuals, regulated and non-regulated, reported by mortgage lenders and administrators. Balances in arrears by degree of arrears, as a share of total loan balances.
0.14%
Arrears 5% to under 7.5%
Balances with arrears of 5 per cent to under 7.5 per cent of the loan balance were 0.137 per cent of total residential loan balances in the United Kingdom at the end of the second quarter of 2026.
Source: Mortgage Lenders and Administrators Statistics, long run summary tables, Summary 3, Bank of England, Q2 2026
Not seasonally adjusted. Residential loans to individuals, regulated and non-regulated, reported by mortgage lenders and administrators. Balances in arrears by degree of arrears, as a share of total loan balances.
0.09%
Arrears 7.5% to under 10%
Balances with arrears of 7.5 per cent to under 10 per cent of the loan balance were 0.085 per cent of total residential loan balances in the United Kingdom at the end of the second quarter of 2026.
Source: Mortgage Lenders and Administrators Statistics, long run summary tables, Summary 3, Bank of England, Q2 2026
Not seasonally adjusted. Residential loans to individuals, regulated and non-regulated, reported by mortgage lenders and administrators. Balances in arrears by degree of arrears, as a share of total loan balances.
0.31%
Arrears of 10% or more
Balances with arrears of 10 per cent or more of the loan balance were 0.314 per cent of total residential loan balances in the United Kingdom at the end of the second quarter of 2026.
Source: Mortgage Lenders and Administrators Statistics, long run summary tables, Summary 3, Bank of England, Q2 2026
Not seasonally adjusted. Residential loans to individuals, regulated and non-regulated, reported by mortgage lenders and administrators. Balances in arrears by degree of arrears, as a share of total loan balances.
0.09%
Balances in possession
Balances with the property in possession were 0.091 per cent of total residential loan balances in the United Kingdom at the end of the second quarter of 2026.
Source: Mortgage Lenders and Administrators Statistics, long run summary tables, Summary 3, Bank of England, Q2 2026
Not seasonally adjusted. Residential loans to individuals, regulated and non-regulated, reported by mortgage lenders and administrators. Balances in arrears by degree of arrears, as a share of total loan balances.
12%
Clients in mortgage arrears
Among new clients completing first-time debt advice at StepChange who were responsible for paying mortgage payments, 12% were in arrears on them in September 2026.
Source: Monthly Client Data Report: September 2026, StepChange, September 2026
Monthly Client Data Report, September 2026 edition (published October 2026); clients who first received debt advice in the month; the report presents rounded whole numbers and says percentages may not add to 100%.
160,962
Accounts in arrears
There were 160,962 residential loan accounts in arrears in the United Kingdom at the end of the second quarter of 2026.
Source: Mortgage Lenders and Administrators Statistics, long run summary tables, Summary 3, Bank of England, Q2 2026
Not seasonally adjusted. Residential loans to individuals, regulated and non-regulated, reported by mortgage lenders and administrators. Number of loan accounts, not borrowers (MLAR notes). Arrears threshold: arrears of 1.5% or more of the outstanding balance, or in possession.
£19.7bn
Balances in arrears
Residential loan balances in arrears were £19,663.041 million in the United Kingdom at the end of the second quarter of 2026.
Source: Mortgage Lenders and Administrators Statistics, long run summary tables, Summary 3, Bank of England, Q2 2026
Not seasonally adjusted. Residential loans to individuals, regulated and non-regulated, reported by mortgage lenders and administrators. Arrears threshold: loan accounts where arrears amount to 1.5% or more of the outstanding balance, or the property is in possession (MLAR notes).
2,058
New possessions
There were 2,058 new possessions of residential properties in the United Kingdom in the second quarter of 2026.
Source: Mortgage Lenders and Administrators Statistics, long run summary tables, Summary 3, Bank of England, Q2 2026
Not seasonally adjusted. Residential loans to individuals, regulated and non-regulated, reported by mortgage lenders and administrators.
8,825
Possession stock
The stock of possessions of residential properties was 8,825 in the United Kingdom at the end of the second quarter of 2026.
Source: Mortgage Lenders and Administrators Statistics, long run summary tables, Summary 3, Bank of England, Q2 2026
Not seasonally adjusted. Residential loans to individuals, regulated and non-regulated, reported by mortgage lenders and administrators.
£35m
Mortgage write-offs
UK resident monetary financial institutions wrote off £35 million of sterling lending secured on dwellings to individuals in the second quarter of 2026.
Source: Quarterly amounts UK resident monetary financial institutions' sterling write-offs of lending secured on dwellings to individuals (in sterling millions) not seasonally adjusted, Bank of England, Q2 2026
Not seasonally adjusted. Sterling write-offs by UK resident monetary financial institutions (excluding the central bank); quarterly figure.
72,870
Home finance complaints
Firms opened 72,870 complaints about home finance products in the United Kingdom in the first half of 2026.
Source: Aggregate complaints data 2026 H1, Financial Conduct Authority, H1 2026
Complaints reported to the regulator by regulated firms; H1 is 1 January to 30 June; excludes complaints against firms authorised only for consumer credit; home finance covers equity release, second and subsequent charge, impaired credit and other regulated and unregulated home finance.
£12,534
Average mortgage arrears, clients
The average amount of mortgage arrears recorded for new clients completing first-time debt advice at StepChange was £12,534 in 2025.
Source: Statistics Yearbook 2025 data sheet, StepChange, 2025
Statistics Yearbook 2025 data sheet; calendar year; clients' first fully completed debt advice session.
0.81%
Mortgage arrears share Q4 2022
Balances in arrears were 0.808 per cent of total residential loan balances in the United Kingdom at the end of the fourth quarter of 2022.
Source: Mortgage Lenders and Administrators Statistics, long run summary tables, Summary 3, Bank of England, Q4 2022
Not seasonally adjusted. Residential loans to individuals, regulated and non-regulated, reported by mortgage lenders and administrators. Arrears threshold: loan accounts where arrears amount to 1.5% or more of the outstanding balance, or the property is in possession (MLAR notes).
0.90%
Mortgage arrears share Q4 2019
Balances in arrears were 0.898 per cent of total residential loan balances in the United Kingdom at the end of the fourth quarter of 2019.
Source: Mortgage Lenders and Administrators Statistics, long run summary tables, Summary 3, Bank of England, Q4 2019
Not seasonally adjusted. Residential loans to individuals, regulated and non-regulated, reported by mortgage lenders and administrators. Arrears threshold: loan accounts where arrears amount to 1.5% or more of the outstanding balance, or the property is in possession (MLAR notes).