Arrears and possessions

Latest Data - Q2 2026

Published on 13/08/2026

Key data highlights:

• There were 77,940 homeowner mortgages in arrears of 2.5 per cent or more of the outstanding balance in the second quarter of 2026, 1 per cent fewer than in the previous quarter.
• Within the total, there were 27,100 homeowner mortgages in the lightest arrears band (representing between 2.5 and 5 per cent of the outstanding balance). This was 1 per cent fewer than in the previous quarter.
• There were 8,390 buy-to-let mortgages in arrears of 2.5 per cent or more of the outstanding balance in the second quarter of 2026, 6 per cent fewer than in the previous quarter.
• Within the total, there were 2,980 buy-to-let mortgages in the lightest arrears band (representing between 2.5 and 5 per cent of the outstanding balance). This was 7 per cent fewer than in the previous quarter.
• Mortgages in arrears accounted for 0.89 per cent of all homeowner mortgages outstanding, and 0.44 per cent of all buy-to-let mortgages outstanding in the second quarter of 2026.
• 1,150 homeowner mortgaged properties were taken into possession in the second quarter of 2026, 8 per cent fewer than in the previous quarter. This remains significantly below the long-term average (see chart below).
• 630 buy-to-let mortgaged properties were taken into possession in the second quarter of 2026, 22 per cent fewer than in the previous quarter.