UK average client debt: mortgage
UK average client debt: mortgage stood at £6,545.8 in Aug 2026. It is one of the indicators in the Debt advice table (Value · Monthly), with a complete series running from Jan 2019 to Aug 2026. The complete series with an interactive chart, free to download.
This indicator in the Debt advice table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Average debt among clients | |||||||||||
| Debt.Mortgage: Debt Mortgage | 6,545.8 | 6,650.11 | 7,921.09 | 7,443.47 | 6,385.08 | 7,218.53 | 7,035.18 | 6,000.03 | 8,125.48 | 6,281.54 | |
| Debt.Credit.Card: Debt Credit Card | 3,092.33 | 3,085.91 | 3,023.33 | 2,882.28 | 2,946.86 | 2,940.93 | 2,900.82 | 2,997.5 | 2,896.75 | 2,788.79 |
Understanding UK average client debt: mortgage
Advisory intake records quantify the average financial value of residential mortgage borrowing and secured property debt held by advice seekers across the United Kingdom. The metric calculates the mean liability specifically tied to home loans among clients reporting property-related distress, separating secured property debt from unsecured credit cards or personal loans. It gauges the scale of residential borrowing exposure per indebted homeowner.
Evaluating this series necessitates tracking prevailing macroeconomic lending rates and housing market conditions that influence property valuations and mortgage refinancing. Period-on-period comparisons can be volatile due to the relatively smaller volume of mortgage clients compared to unsecured borrowers. Analysts should avoid direct comparisons with aggregate debt figures, as secured property loans typically dwarf unsecured liabilities in nominal monetary value.
Frequently asked questions
- What financial obligations are included in this mortgage average?
- The series measures outstanding capital balances and secured loan amounts linked to residential property.
- Does this figure represent monthly arrears or total borrowing?
- It reflects the total outstanding mortgage or secured loan liabilities reported by the client, not just missed payments.
- Why do mortgage debt averages differ from unsecured debt averages?
- Secured property loans involve substantially larger capital sums than standard credit cards or personal loans.