Arrears and possessions

Latest Data - Q3 2025

Published on 13/11/2025

Key data highlights:

• There were 84,100 homeowner mortgages in arrears of 2.5 per cent or more of the outstanding balance in the third quarter of 2025, 4 per cent fewer than in the previous quarter.
• Within the total, there were 28,940 homeowner mortgages in the lightest arrears band (representing between 2.5 and 5 per cent of the outstanding balance). This was 3 per cent fewer than in the previous quarter.
• There were 10,420 buy-to-let mortgages in arrears of 2.5 per cent or more of the outstanding balance in the third quarter of 2025, 8 per cent fewer than in the previous quarter.
• Within the total, there were 3,750 buy-to-let mortgages in the lightest arrears band (representing between 2.5 and 5 per cent of the outstanding balance). This was 9 per cent fewer than in the previous quarter.
• Mortgages in arrears accounted for 0.97 per cent of all homeowner mortgages outstanding, and 0.54 per cent of all buy-to-let mortgages outstanding in the third quarter of 2025.
• Although 1,390 homeowner mortgaged properties were taken into possession in the third quarter of 2025, 4 per cent greater than in the previous quarter, this remains significantly below the long-term average.
• 900 buy-to-let mortgaged properties were taken into possession in the third quarter of 2025, 14 per cent greater than in the previous quarter.

Mortgage Arrears Possessions Update - 13 November 2025