Barclays: UK home movers shift to higher-LTV mortgages as average deposits drop 24.8%

PUBT · 2d ago
Barclays: UK home movers shift to higher-LTV mortgages as average deposits drop 24.8%
  • Barclays Property Insights flagged rising reliance on higher loan-to-value mortgages as UK home movers’ average deposits fell 24.8% year-on-year.
  • Average home-mover purchase price rose 1% year-on-year in June; share borrowing above 75% LTV increased to 22.1% from 18.2%.
  • Affordability pressures intensified for second-steppers; 34% reported feeling stuck because moving is too expensive.
  • Solo first-time buying gained share; 36.9% of completions in June were solo buyers, up from 15% pre-1980 to 30% since 2020.
  • Upfront costs dominated barriers; 35% of renters cited deposits versus 18% citing monthly mortgage costs.


Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Barclays plc published the original content used to generate this news brief on July 24, 2026, and is solely responsible for the information contained therein.