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09 February 2026
UK Mortgage Arrears Reach Two-Year Low in Q4 as New Originations Hit Three-Year High
Report summary: Q4 2025 data shows that the overall rate of arrears across Pepper Advantage’s UK portfolio dropped for a third consecutive quarter and is now at its lowest rate since Q4 2023. Meanwhile, new originations hit a three-year high and direct debit rejections – a form of missed mortgage payment – held relatively steady over the holiday period.
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