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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Median loan-to-value ratio for mortgage sales in the UK 2016-2023
The median loan-to-value ratio for mortgages in the UK in 2023 was approximately **** percent. This meant that the average mortgage covered **** percent of the property sales price, leaving the home acquirer to cover the remaining **** percent with their own savings. Across the country, the LTV ratio was the lowest in London, and the highest in Northern Ireland.Â
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Financial Conduct Authority. (June 27, 2024). Median loan-to-value (LTV) ratio for mortgage sales in the United Kingdom (UK) from 2016 to 2023 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 05, 2026, from /statistics/1077616/median-loan-to-value-ratio-for-mortgage-sales-in-the-united-kingdom/
Financial Conduct Authority. "Median loan-to-value (LTV) ratio for mortgage sales in the United Kingdom (UK) from 2016 to 2023." Chart. June 27, 2024. ÌÇÐÄÆƽâ°æ. Accessed August 05, 2026. /statistics/1077616/median-loan-to-value-ratio-for-mortgage-sales-in-the-united-kingdom/
Financial Conduct Authority. (2024). Median loan-to-value (LTV) ratio for mortgage sales in the United Kingdom (UK) from 2016 to 2023. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 05, 2026. /statistics/1077616/median-loan-to-value-ratio-for-mortgage-sales-in-the-united-kingdom/
Financial Conduct Authority. "Median Loan-to-value (Ltv) Ratio for Mortgage Sales in The United Kingdom (Uk) from 2016 to 2023." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 27 Jun 2024, /statistics/1077616/median-loan-to-value-ratio-for-mortgage-sales-in-the-united-kingdom/
Financial Conduct Authority, Median loan-to-value (LTV) ratio for mortgage sales in the United Kingdom (UK) from 2016 to 2023 ÌÇÐÄÆƽâ°æ, /statistics/1077616/median-loan-to-value-ratio-for-mortgage-sales-in-the-united-kingdom/ (last visited August 05, 2026)
Median loan-to-value (LTV) ratio for mortgage sales in the United Kingdom (UK) from 2016 to 2023 [Graph], Financial Conduct Authority, June 27, 2024. [Online]. Available: /statistics/1077616/median-loan-to-value-ratio-for-mortgage-sales-in-the-united-kingdom/
