UK Finance Q3 2026: homeowner mortgage arrears fall for tenth consecutive quarter to 76,080

Created Nov 12, 2026 • AI-generated summary

UK Finance arrears and possessions data for Q3 2026 (reported 12 November 2026): homeowner mortgage arrears fell for a tenth consecutive quarter to 76,080, down 2% on Q2 (77,940) and 10% year-on-year, equal to 0.87% of all homeowner mortgages. Buy-to-let arrears fell 22% year-on-year and 3% on the quarter to 8,170 (0.43% of BTL mortgages), with only the lightest BTL arrears band up modestly on the quarter. Repossessions rose 3% on Q2 to 1,840 but were 20% below Q3 2025; homeowner repossessions down 17% year-on-year (lowest since Q4 2024), BTL repossessions up 10% on the quarter to 690 but 23% below a year earlier. Comment from UK Finance head of analytics James Tatch on borrower resilience despite rising cost pressures including the Middle East war's effect on rates. Membership limited to coverage of this specific UK Finance Q3 2026 arrears and possessions release; other quarters are distinct stories.