UK Homeowners Allocated a Fifth of Income to Mortgages in 2025
UK homeowners spent around a fifth of their income on mortgage payments in 2025, the highest level since 2008. The areas with the least affordability were North Norfolk and the London Borough of Hillingdon, where over a quarter of gross income went to mortgage repayments.
Mortgage Affordability in UK: A Detailed Analysis for 2026
UK homebuyers are currently spending an average of 21.2% of their gross income on mortgage payments, the highest level since 2008. The areas with the highest affordability requirements are North Norfolk and the London Borough of Hillingdon.
Buy-to-Let Repossessions Surge Amid Rising Mortgage Rates
UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.
Buy-to-Let Lending Grows in Q4 2025: Real World Impact on UK Landlords
Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.