Arrears and possessions

Latest Data - Q4 2025

Published on 12/02/2025

Key data highlights:

• There were 80,490 homeowner mortgages in arrears of 2.5 per cent or more of the outstanding balance in the fourth quarter of 2025, 4 per cent fewer than in the previous quarter. 
• Within the total, there were 27,780 homeowner mortgages in the lightest arrears band (representing between 2.5 and 5 per cent of the outstanding balance). This was 4 per cent fewer than in the previous quarter. UK Finance: Mortgage Arrears and Possessions Update Quarter 4 2025 Release date: 12 February 2026 14 May 2026 
• There were 9,520 buy-to-let mortgages in arrears of 2.5 per cent or more of the outstanding balance in the fourth quarter of 2025, 9 per cent fewer than in the previous quarter. 
• Within the total, there were 3,480 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 0.92 per cent of all homeowner mortgages outstanding, and 0.50 per cent of all buy-to-let mortgages outstanding in the fourth quarter of 2025.
• 1,210 homeowner mortgaged properties were taken into possession in the fourth quarter of 2025, 13 per cent fewer than in the previous quarter. This remains significantly below the long-term average (see chart below). 
• 770 buy-to-let mortgaged properties were taken into possession in the fourth quarter of 2025, 14 per cent fewer than in the previous quarter