{"id":95801,"date":"2023-06-15T13:14:52","date_gmt":"2023-06-15T12:14:52","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=95801"},"modified":"2026-05-27T17:10:39","modified_gmt":"2026-05-27T16:10:39","slug":"mortgage-statistics","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/mortgages\/mortgage-statistics","title":{"rendered":"Mortgage statistics 2026: What&#8217;s the average UK mortgage?"},"content":{"rendered":"<p>We explore the latest mortgage statistics, including average mortgage size, monthly payments and debt, to see how paying the mortgage impacts our <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-banks\">bank accounts<\/a>.<\/p><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><h3 class=\"luna-sectionTitle\">Mortgage statistics UK: Highlights<\/h3><ul><li>The average monthly mortgage payment on a house in the UK is \u00a31,355 according to the latest figures.<\/li><li>The average size of a mortgage taken out in the first quarter of 2026 was \u00a3205,298.<\/li><li>The average outstanding mortgage debt per household in the UK is \u00a3139,699.<\/li><li>In April 2026, the average 2-year fixed-rate mortgage interest rate for a 10% deposit was 5.46%. It was 5.17% for a 15% deposit and 5.14% for a 25% deposit.<\/li><li>As of December 2025, there were 12.4 million outstanding mortgages in the UK totalling over \u00a31.7 trillion.<\/li><\/ul><\/div><\/article><h3>What is the average mortgage size in the UK?<\/h3><p>The average value of a mortgage taken out between January and March 2026 was \u00a3205,298, down 4% from the previous year. <\/p><p>The number of mortgages taken out has decreased by 8% from the previous year, with a total of 332,283 mortgages secured on residential homes.<\/p><ul class=\"nav nav-tabs pb-tabs\"><li class=\"active\"><a href=\"#tab8431\" data-toggle=\"tab\">Chart<\/a><\/li><li class=\"\"><a href=\"#tab6066\" data-toggle=\"tab\">Table<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab8431\" class=\"tab-pane active \"><style> .flourish-iframe-0 {height: 575px;} .flourish-credit-0 { display: flex; justify-content: flex-end; text-decoration: none; margin-bottom: 4px;} @media (max-width: 600px){.flourish-iframe-0 {height: 575px;}}<\/style><iframe class=\"flourish-iframe-0\" src=\"https:\/\/flo.uri.sh\/visualisation\/14128450\/embed?auto=1\" width=\"100%\" scrolling=\"0\" frameborder=\"0\" loading=\"lazy\"><\/iframe>\n            <a class=\"flourish-credit\" href=\"https:\/\/public.flourish.studio\/visualisation\/14128450\/?utm_source=embed&amp;utm_campaign=visualisation\/14128450\" target=\"_blank\" ref=\"sponsored\"><img decoding=\"async\" alt=\"Made with Flourish\" src=\"https:\/\/public.flourish.studio\/resources\/made_with_flourish.svg\" loading=\"lazy\"><\/a><\/div><div id=\"tab6066\" class=\"tab-pane \"><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\">\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Period<\/th>\n                            <th scope=\"col\">Number of mortgages taken out per month<\/th>\n                            <th scope=\"col\">Average mortgage value (\u00a3)<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>Mar 26<\/td>\n                            <td>332,283<\/td>\n                            <td>\u00a3205,298<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 25<\/td>\n                            <td>379,470<\/td>\n                            <td>\u00a3204,880<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 25<\/td>\n                            <td>386,781<\/td>\n                            <td>\u00a3203,557<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 25<\/td>\n                            <td>294,050<\/td>\n                            <td>\u00a3194,066<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 25<\/td>\n                            <td>359,697<\/td>\n                            <td>\u00a3214,767<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Dec 24<\/td>\n                            <td>335,318<\/td>\n                            <td>\u00a3200,452<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Sep 24<\/td>\n                            <td>327,182<\/td>\n                            <td>\u00a3196,392<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jun 24<\/td>\n                            <td>322,202<\/td>\n                            <td>\u00a3185,585<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Mar 24<\/td>\n                            <td>280,775<\/td>\n                            <td>\u00a3180,458<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Dec 23<\/td>\n                            <td>292,473<\/td>\n                            <td>\u00a3183,949<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Sep 23<\/td>\n                            <td>323,833<\/td>\n                            <td>\u00a3189,490<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jun 23<\/td>\n                            <td>294,460<\/td>\n                            <td>\u00a3176,190<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Mar 23<\/td>\n                            <td>317,244<\/td>\n                            <td>\u00a3184,375<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Dec 22<\/td>\n                            <td>405,322<\/td>\n                            <td>\u00a3195,795<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Sep 22<\/td>\n                            <td>409,246<\/td>\n                            <td>\u00a3203,389<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jun 22<\/td>\n                            <td>390,352<\/td>\n                            <td>\u00a3196,174<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Mar 22<\/td>\n                            <td>389,487<\/td>\n                            <td>\u00a3190,004<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><\/div><\/div><h3>What is the average monthly mortgage payment in the UK? <\/h3><p>The average monthly mortgage repayment on a house in the UK is \u00a31,355. This is based on the average house price as of March 2026, the average 2-year fixed mortgage rate, a 15% deposit and a mortgage length of 25 years. <\/p><h3>What\u2019s the average mortgage interest rate in the UK?<\/h3><p>In April 2026, the average 2-year fixed-rate mortgage interest rate for a 10% deposit was 5.46%. It was 5.17% for a 15% deposit and 5.14% for a 25% deposit.<\/p><p>The average interest rate also varies depending on the length of the fix. While it was 5.14% with a 25% deposit for a 2-year fix, it was 4.97% for a 3-year fix, 5% for a 5-year fix and 5.28% for a 10-year fix.<\/p><p>The graph below shows the average rates for fixed-rate mortgages with a 25% deposit and how they\u2019ve changed over time. Mortgage rates began rising again recently because of global conflict, such as the war in Iran, and geopolitical tensions. <\/p><p>LTV ratio, or loan-to-value ratio, is the ratio of what you borrow as a mortgage. For example, with a 90% LTV mortgage, you would need to put down a 10% deposit. Those who can afford a lower LTV ratio are generally able to access better interest rates, but this can be harder for first-time buyers who can\u2019t put down a large deposit.<\/p><ul class=\"nav nav-tabs pb-tabs\"><li class=\"active\"><a href=\"#tab8431-1\" data-toggle=\"tab\">Chart<\/a><\/li><li class=\"\"><a href=\"#tab6066-1\" data-toggle=\"tab\">Table<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab8431-1\" class=\"tab-pane active \"><style> .flourish-iframe-1 {height: 575px;} .flourish-credit-1 { display: flex; justify-content: flex-end; text-decoration: none; margin-bottom: 4px;} @media (max-width: 600px){.flourish-iframe-1 {height: 575px;}}<\/style><iframe class=\"flourish-iframe-1\" src=\"https:\/\/flo.uri.sh\/visualisation\/14119212\/embed?auto=1\" width=\"100%\" scrolling=\"0\" frameborder=\"0\" loading=\"lazy\"><\/iframe>\n            <a class=\"flourish-credit\" href=\"https:\/\/public.flourish.studio\/visualisation\/14119212\/?utm_source=embed&amp;utm_campaign=visualisation\/14119212\" target=\"_blank\" ref=\"sponsored\"><img decoding=\"async\" alt=\"Made with Flourish\" src=\"https:\/\/public.flourish.studio\/resources\/made_with_flourish.svg\" loading=\"lazy\"><\/a><\/div><div id=\"tab6066-1\" class=\"tab-pane \"><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\">\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Month<\/th>\n                            <th scope=\"col\">2 year fixed<\/th>\n                            <th scope=\"col\">3 year fixed<\/th>\n                            <th scope=\"col\">5 year fixed<\/th>\n                            <th scope=\"col\">10 year fixed<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>Apr 26<\/td>\n                            <td>5.14%<\/td>\n                            <td>4.97%<\/td>\n                            <td>5.00%<\/td>\n                            <td>5.28%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 26<\/td>\n                            <td>4.45%<\/td>\n                            <td>4.37%<\/td>\n                            <td>4.43%<\/td>\n                            <td>4.82%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 26<\/td>\n                            <td>3.97%<\/td>\n                            <td>3.94%<\/td>\n                            <td>4.01%<\/td>\n                            <td>4.48%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 26<\/td>\n                            <td>3.92%<\/td>\n                            <td>3.94%<\/td>\n                            <td>3.95%<\/td>\n                            <td>4.48%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec  26<\/td>\n                            <td>3.97%<\/td>\n                            <td>3.99%<\/td>\n                            <td>3.99%<\/td>\n                            <td>4.48%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov  26<\/td>\n                            <td>4.06%<\/td>\n                            <td>4.02%<\/td>\n                            <td>4.06%<\/td>\n                            <td>4.49%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct  26<\/td>\n                            <td>4.20%<\/td>\n                            <td>4.19%<\/td>\n                            <td>4.17%<\/td>\n                            <td>4.55%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep  26<\/td>\n                            <td>4.19%<\/td>\n                            <td>4.18%<\/td>\n                            <td>4.16%<\/td>\n                            <td>4.54%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug  26<\/td>\n                            <td>4.10%<\/td>\n                            <td>4.10%<\/td>\n                            <td>4.11%<\/td>\n                            <td>4.46%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul  26<\/td>\n                            <td>4.21%<\/td>\n                            <td>4.18%<\/td>\n                            <td>4.15%<\/td>\n                            <td>4.47%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun  26<\/td>\n                            <td>4.28%<\/td>\n                            <td>4.28%<\/td>\n                            <td>4.26%<\/td>\n                            <td>4.51%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May  26<\/td>\n                            <td>4.18%<\/td>\n                            <td>4.27%<\/td>\n                            <td>4.19%<\/td>\n                            <td>4.53%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr  26<\/td>\n                            <td>4.42%<\/td>\n                            <td>4.34%<\/td>\n                            <td>4.29%<\/td>\n                            <td>4.59%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar  26<\/td>\n                            <td>4.54%<\/td>\n                            <td>4.38%<\/td>\n                            <td>4.32%<\/td>\n                            <td>4.60%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 25<\/td>\n                            <td>4.65%<\/td>\n                            <td>4.49%<\/td>\n                            <td>4.38%<\/td>\n                            <td>4.60%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 25<\/td>\n                            <td>4.63%<\/td>\n                            <td>4.50%<\/td>\n                            <td>4.37%<\/td>\n                            <td>4.57%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 24<\/td>\n                            <td>4.60%<\/td>\n                            <td>4.48%<\/td>\n                            <td>4.37%<\/td>\n                            <td>4.58%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 24<\/td>\n                            <td>4.53%<\/td>\n                            <td>4.44%<\/td>\n                            <td>4.29%<\/td>\n                            <td>4.61%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 24<\/td>\n                            <td>4.40%<\/td>\n                            <td>4.28%<\/td>\n                            <td>4.06%<\/td>\n                            <td>4.65%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep  26<\/td>\n                            <td>4.58%<\/td>\n                            <td>4.43%<\/td>\n                            <td>4.09%<\/td>\n                            <td>4.80%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug  26<\/td>\n                            <td>4.80%<\/td>\n                            <td>4.62%<\/td>\n                            <td>4.33%<\/td>\n                            <td>4.85%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul  26<\/td>\n                            <td>4.99%<\/td>\n                            <td>4.78%<\/td>\n                            <td>4.49%<\/td>\n                            <td>4.86%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun  26<\/td>\n                            <td>5.16%<\/td>\n                            <td>4.86%<\/td>\n                            <td>4.64%<\/td>\n                            <td>4.87%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May  26<\/td>\n                            <td>5.19%<\/td>\n                            <td>4.88%<\/td>\n                            <td>4.66%<\/td>\n                            <td>4.87%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr  26<\/td>\n                            <td>4.98%<\/td>\n                            <td>4.74%<\/td>\n                            <td>4.51%<\/td>\n                            <td>4.78%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar  26<\/td>\n                            <td>4.96%<\/td>\n                            <td>4.73%<\/td>\n                            <td>4.53%<\/td>\n                            <td>4.79%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb  26<\/td>\n                            <td>4.76%<\/td>\n                            <td>4.53%<\/td>\n                            <td>4.41%<\/td>\n                            <td>4.75%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan  26<\/td>\n                            <td>4.71%<\/td>\n                            <td>4.75%<\/td>\n                            <td>4.43%<\/td>\n                            <td>4.68%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec  26<\/td>\n                            <td>5.03%<\/td>\n                            <td>5.07%<\/td>\n                            <td>4.68%<\/td>\n                            <td>4.70%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov  26<\/td>\n                            <td>5.28%<\/td>\n                            <td>5.27%<\/td>\n                            <td>4.89%<\/td>\n                            <td>4.89%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct  26<\/td>\n                            <td>5.60%<\/td>\n                            <td>5.43%<\/td>\n                            <td>5.02%<\/td>\n                            <td>4.99%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep  26<\/td>\n                            <td>5.91%<\/td>\n                            <td>5.79%<\/td>\n                            <td>5.24%<\/td>\n                            <td>5.10%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug  26<\/td>\n                            <td>6.18%<\/td>\n                            <td>6.01%<\/td>\n                            <td>5.53%<\/td>\n                            <td>5.14%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul  26<\/td>\n                            <td>6.22%<\/td>\n                            <td>5.93%<\/td>\n                            <td>5.71%<\/td>\n                            <td>5.16%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun  26<\/td>\n                            <td>5.49%<\/td>\n                            <td>5.16%<\/td>\n                            <td>4.95%<\/td>\n                            <td>5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May  26<\/td>\n                            <td>4.72%<\/td>\n                            <td>4.46%<\/td>\n                            <td>4.28%<\/td>\n                            <td>4.40%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 23<\/td>\n                            <td>4.60%<\/td>\n                            <td>4.36%<\/td>\n                            <td>4.16%<\/td>\n                            <td>4.23%<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><\/div><\/div><h3>What is the average mortgage debt in the UK?<\/h3><p>The average outstanding mortgage debt in the UK in the last quarter of 2025 was estimated to be \u00a3139,699. There were over 12.4 million mortgage accounts active as of December 2025, and the value of residential mortgage loans was over \u00a31.7 trillion.<\/p><h3>What is the average length of a mortgage in the UK?<\/h3><p>25 years is often seen as the standard length for a mortgage. However, 2025 data revealed that first-time buyers are now signing up to mortgages that last an average of 31 years.<\/p><h3>Average house prices in the UK<\/h3><p>The average UK house price in March 2026 was \u00a3268,132. The average price varies across regions of the UK, with an average price of \u00a3289,946 in England, \u00a3213,240 in Wales, \u00a3186,582 in Scotland and \u00a3198,015 in Northern Ireland. <\/p><p>The average house price in the UK had been rising since the banking crisis and market crash in 2007-2009 until 2022, reaching \u00a3265,727 in September 2022. They then began to drop again in 2023 against a backdrop of high mortgage rates, going back down to an average price of \u00a3254,633 in February 2024.<\/p><p>They then began to broadly rise again, hitting \u00a3271,527 in November 2025, but have fallen slightly in the past few months.  <\/p><p>Buying a house is often seen as a good long-term <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/best-trading-apps\">investment<\/a> option, as house prices tend to go up over time, but they can fluctuate in the short-term \u2013 going down as well as up \u2013 just like the <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/invest-in\/stock-market-indices\/sp-500\">stock market<\/a>.<\/p><style> .flourish-iframe-2 {height: 575px;} .flourish-credit-2 { display: flex; justify-content: flex-end; text-decoration: none; margin-bottom: 4px;} @media (max-width: 600px){.flourish-iframe-2 {height: 575px;}}<\/style><iframe class=\"flourish-iframe-2\" src=\"https:\/\/flo.uri.sh\/visualisation\/14119689\/embed?auto=1\" width=\"100%\" scrolling=\"0\" frameborder=\"0\" loading=\"lazy\"><\/iframe>\n            <a class=\"flourish-credit\" href=\"https:\/\/public.flourish.studio\/visualisation\/14119689\/?utm_source=embed&amp;utm_campaign=visualisation\/14119689\" target=\"_blank\" ref=\"sponsored\"><img decoding=\"async\" alt=\"Made with Flourish\" src=\"https:\/\/public.flourish.studio\/resources\/made_with_flourish.svg\" loading=\"lazy\"><\/a><h3>House-prices-to-earnings ratio: How does your region compare?<\/h3><p>The house-price-to-earnings ratio is a way to calculate the affordability of housing by dividing house prices by salary. This varies between regions as both house prices and salaries change.<\/p><p>On average in England and Wales, house prices were 7.6 times the average salary in 2025. The ratio is most extreme in London, where house prices are 11.4 times higher than the average yearly salary. Those in the North East of England are in the best position, as house prices here are only 4.9 times earnings. <\/p><ul class=\"nav nav-tabs pb-tabs\"><li class=\"active\"><a href=\"#tab8431-2\" data-toggle=\"tab\">Chart<\/a><\/li><li class=\"\"><a href=\"#tab6066-2\" data-toggle=\"tab\">Table<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab8431-2\" class=\"tab-pane active \"><style> .flourish-iframe-3 {height: 600px;} .flourish-credit-3 { display: flex; justify-content: flex-end; text-decoration: none; margin-bottom: 4px;} @media (max-width: 600px){.flourish-iframe-3 {height: 600px;}}<\/style><iframe class=\"flourish-iframe-3\" src=\"https:\/\/flo.uri.sh\/visualisation\/14122715\/embed?auto=1\" width=\"100%\" scrolling=\"0\" frameborder=\"0\" loading=\"lazy\"><\/iframe>\n            <a class=\"flourish-credit\" href=\"https:\/\/public.flourish.studio\/visualisation\/14122715\/?utm_source=embed&amp;utm_campaign=visualisation\/14122715\" target=\"_blank\" ref=\"sponsored\"><img decoding=\"async\" alt=\"Made with Flourish\" src=\"https:\/\/public.flourish.studio\/resources\/made_with_flourish.svg\" loading=\"lazy\"><\/a><\/div><div id=\"tab6066-2\" class=\"tab-pane \"><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\">\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Region<\/th>\n                            <th scope=\"col\">House price to earnings ratio<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>London<\/td>\n                            <td>11.4<\/td>\n                    <\/tr>\n            <tr>\n                            <td>South East<\/td>\n                            <td>9.2<\/td>\n                    <\/tr>\n            <tr>\n                            <td>East of England<\/td>\n                            <td>8.5<\/td>\n                    <\/tr>\n            <tr>\n                            <td>South West<\/td>\n                            <td>8.3<\/td>\n                    <\/tr>\n            <tr>\n                            <td>East Midlands<\/td>\n                            <td>6.9<\/td>\n                    <\/tr>\n            <tr>\n                            <td>West Midlands<\/td>\n                            <td>6.8<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Wales<\/td>\n                            <td>5.9<\/td>\n                    <\/tr>\n            <tr>\n                            <td>North West<\/td>\n                            <td>5.9<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Yorkshire &amp; Humber<\/td>\n                            <td>6.0<\/td>\n                    <\/tr>\n            <tr>\n                            <td>North East<\/td>\n                            <td>4.9<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><\/div><\/div><h3>Mortgage arrears and possession statistics<\/h3><p>In the first quarter of 2026, 79,110 homeowners were behind on their mortgage payments by 2.5% of their balance or more, a slight decrease from the previous quarter. This is known as being in arrears \u2013 money that is owed and should have been paid already. <\/p><p>Between January and March 2026, 1,250 properties with a homeowner mortgage were repossessed. This is when the lender takes back the property because the mortgage hadn\u2019t been paid. The number of repossessions was up 3% on the previous quarter, but still lower than the long-term average.<\/p><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><h3 class=\"luna-sectionTitle\">Methodology<\/h3><p>Finder analysts took the average UK house price and mortgage rate, assuming a 15% deposit, and used this to calculate the average mortgage payment.<\/p><\/div><\/article><div data-tags=\"scale-surveys product-data-insight\">\n<h4>Click <a href=\"https:\/\/www.finder.com\/uk\/stats-facts\">here<\/a> for more research. 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myScrollFunc);\n<\/script>","protected":false},"excerpt":{"rendered":"<p>From the average mortgage payment and debt to how many outstanding mortgages there are, we explore the latest mortgage statistics in the UK.<\/p>\n","protected":false},"author":1312,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Mortgage statistics","_yoast_wpseo_title":"%%title%%","_yoast_wpseo_metadesc":"From the average mortgage payment and debt to how many outstanding mortgages there are, we explore the latest mortgage statistics in the 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