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About 36 percent of homeowners in England were aged 65 and above, which contrasts sharply with younger age groups, particularly those under 35. Young adults between 25 and 35, made up 15 percent of homeowners and had a dramatically lower homeownership rate. The disparity highlights the growing challenges faced by younger generations in entering the property market, a trend that has significant implications for wealth distribution and social mobility.

Barriers to homeownership for young adults

The path to homeownership has become increasingly difficult for young adults in the UK. A 2025 survey revealed that raising a deposit was the greatest obstacle to property purchase. This represents a 25 percent increase from 2021, reflecting the impact of rising house prices and reduced savings capacity. Despite these challenges, one in three young adults still aspire to get on the property ladder as soon as possible, though many have put their plans on hold. The need for additional financial support from family, friends, and lenders has become more prevalent, with one in five young adults acknowledging this necessity.

Regional disparities and housing supply

The housing market in England faces regional challenges, with South West and South East England experiencing the largest mismatch between housing supply and demand in 2024. This imbalance is evident in the discrepancy between new homes added to the housing stock and the number of new households formed. The construction of new homes has been volatile, with a significant drop in 2020, a rebound in 2021 and a gradual decline until 2025.