Median loan-to-value ratio for mortgage sales in the UK 2016-2023

Published by Statista Research Department, Sep 11, 2024

The median loan-to-value ratio for mortgages in the UK in 2023 was approximately 69.5 percent. This meant that the average mortgage covered 69.5 percent of the property sales price, leaving the home acquirer to cover the remaining 30.5 percent with their own savings. Across the country, the LTV ratio was the lowest in London, and the highest in Northern Ireland. 


Median loan-to-value (LTV) ratio for mortgage sales in the United Kingdom (UK) from 2016 to 2023

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Source

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Release date

June 2024

Region

United Kingdom

Survey time period

2016 to 2023; as of 4th quarter of each year

Supplementary notes

For full description, see glossary here.

Product sales data (PSD) is collected by the Financial Conduct Authority (FCA) and includes new sales (including remortgages); transfers, top-ups, alterations (such as mortgage switches with the same lender). It does not include data on transactions made through fund supermarkets and nominee accounts (such as those used in platforms) and, increments and renewals are generally not included according to the source. In the United Kingdom, all home finance providers are required to submit the mortgage PSD.

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