UK Finance
Trade body for UK banks and lenders, publishing quarterly mortgage arrears and possessions data.
Last refreshed: 20 August 2026 · Appears in 1 active topic
Timeline for UK Finance
Mentioned in: Insolvency rate closes on the 30.0 line
Is Britain Actually Broke?Reported mortgage arrears and possessions both fell in the second quarter
Is Britain Actually Broke?: Possessions fall in both mortgage booksBackground
UK Finance is the trade association for banks and lenders operating in the United Kingdom. Its Q2 2026 arrears and possessions release, covering the three months to 30 June, showed homeowner mortgage arrears down 1% to 77,940 accounts and buy-to-let arrears down 6% to 8,390, with homeowner possessions down 8% to 1,150 and buy-to-let possessions down 22% to 630 .
The release sits alongside the Insolvency Service's individual insolvency figures, which put the rate at 27.8 per 10,000 adults for the twelve months to 31 July, up from 24.3 a year earlier . Read together, the two series separate mortgage-specific distress, which UK Finance's members report directly, from the wider personal insolvency picture.
Because UK Finance draws its figures from lenders' own books rather than court or agency records, its quarterly release is the earliest indicator of whether mortgage holders are falling behind, ahead of slower-moving repossession and insolvency statistics.