Borrowing Data

Mortgage statistics in Northern Ireland 2026

Last updated November 2026 · Data to Q4 2025 · Northern Ireland

Mortgage figures for Northern Ireland, from the Financial Conduct Authority.

31%

Adults with a residential mortgage

In 2024, 31 per cent of adults in Northern Ireland had a residential mortgage on the property they lived in.

Source: Financial Lives 2024 survey: Annex A (Product holdings), Financial Conduct Authority, 2024

Survey estimate, base all UK adults; fieldwork 5 February to 16 June 2024; unweighted base 1081

11%

Mortgage debt four times income

In 2024, 11 per cent of adults in Northern Ireland with a residential or lifetime mortgage had mortgage debt of at least four times their annual household income.

Source: Financial Lives 2024 survey: Mortgages (slide-based report), Financial Conduct Authority, 2024

Survey estimate, base UK adults with a residential or lifetime mortgage, excluding don't know and prefer not to say; fieldwork 5 February to 16 June 2024

75%

Median loan-to-value ratio

The median loan-to-value ratio on new regulated mortgage sales in Northern Ireland was 75 per cent in the fourth quarter of 2025.

Source: Mortgages Product Sales Data (PSD) quarterly 2025 tables, Financial Conduct Authority, Q4 2025

New regulated mortgage sales by postcode region; excludes internal product transfers, further advances and second charge.

£147,000

Median loan amount Q4 2025

The median loan amount on new regulated mortgage sales in Northern Ireland was £147,000 in the fourth quarter of 2025.

Source: Mortgages Product Sales Data (PSD) quarterly 2025 tables, Financial Conduct Authority, Q4 2025

New regulated mortgage sales by postcode region; excludes internal product transfers, further advances and second charge.

£116,000

Median loan amount Q4 2021

The median loan amount on new regulated mortgage sales in Northern Ireland was £116,000 in the fourth quarter of 2021.

Source: Mortgages Product Sales Data (PSD) quarterly 2025 tables, Financial Conduct Authority, Q4 2021

New regulated mortgage sales by postcode region; excludes internal product transfers, further advances and second charge.

Key points

In 2024, 31 per cent of adults in Northern Ireland had a residential mortgage on the property they lived in. In 2024, 11 per cent of adults in Northern Ireland with a residential or lifetime mortgage had mortgage debt of at least four times their annual household income. The median loan-to-value ratio on new regulated mortgage sales in Northern Ireland was 75 per cent in the fourth quarter of 2025.

Frequently asked questions

What share of adults in Northern Ireland had a residential mortgage in 2024?

In 2024, 31 per cent of adults in Northern Ireland had a residential mortgage on the property they lived in.

What share of mortgage holders in Northern Ireland had mortgage debt of at least four times their income in 2024?

In 2024, 11 per cent of adults in Northern Ireland with a residential or lifetime mortgage had mortgage debt of at least four times their annual household income.

What was the median loan-to-value ratio on new mortgage sales in Northern Ireland in Q4 2025?

The median loan-to-value ratio on new regulated mortgage sales in Northern Ireland was 75 per cent in the fourth quarter of 2025.