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• ↓ An Introduction to the UK Mortgage Market
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"Historically across the United Kingdom, around 65 thousand to 70 thousand mortgages are approved each month. This is from a low of around 30 thousand after the 2008 to 2009 global financial crisis. Prior to the recession, the monthly rate was closer to 80 thousand to 130 thousand mortgages completed each month."

"In the third quarter of 2025, there were £80.4 billion new mortgage originations in the UK, according to the Financial Conduct Authority (FCA). At the end of the third quarter of 2025, there were £1,624.89 billion in unsecuritised home loans outstanding, with £108.799 billion in securitised home loans. Total residential mortgages to individuals summed of £1.733.691 trillion across 12,558,685 loans outstanding at the end of the third quarter of 2025."

"Overall mortgage debt tends to grow around 3% to 6% per annum, though there can be significant fluctuations in that rate of growth due to factors like BREXIT, the global economic crisis which happened in 2008, COVID-19 lockdowns, etc. Segments of the market can change faster than the overall market due to those same sorts of factors along with various legal changes tied to foreign property ownership, the localised balance between immigration and construction, shifts between remote work and the desire to live near work, changes to interest rates and credit availability, etc."

"An example of the changes seen in recent years would include a more rapid appreciation of single-family homes over appartments in the metro London area. Many factors led to that, though some prominent political shifts were: the removal of the "non-dom" tax filing status, increasing stamp duty costs for all buyers, and additional stamp duty fees for foreigners or second home buyers. When flats are included in the totals, of the 2,653 homes purchased for over £1 million since 2010 and sold in 2025, 478 (or 18%) made a nominal loss, with many more losing after adjusting for declining purchasing power. Cumulative UK inflation between 2010 and 2025 was around 65%."

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An Introduction to the UK Mortgage Market

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