Increase in mortgage possessions speaks to pressure on homeowners

^{14 August 2025}

New data from the Ministry of Justice reveals that there have been increases in mortgage possession claims by 22% when compared with the same quarter in 2024.

These stats come as UK Finance reveal mortgage arrears are falling, with 3% less mortgages in arrears of more than 2.5% of the outstanding balance during the same period.

For StepChange clients in mortgage arrears, the average level of arrears in the year to date now stands at £11,531, and forms one of the largest common arrear types. When compared with 2024, this has increased from £10,239 (12%), and £6,054 in 2023 (90%).

Reacting to the news, Adam Butler, Public Policy Manager at StepChange said:

"Whilst interest rates are coming down, along with mortgage arrears, many are still struggling. With possessions rising, we are concerned that those in debt could be pushed further into crisis.

"If you are worried about managing your mortgage payments, do not hesitate to contact your lender who has a regulatory responsibility to help - which may look like forbearance or wider support. If you are struggling with debts or your finances more generally, a charity like StepChange is on hand to guide you through your journey with free advice."

Notes to Editors:

• The Ministry of Justice data can be found here.
• The UK Finance data can be found here.
• StepChange data is accurate as of 14th August 2025.