Q3 2025 mortgage and landlord possession statistics published

Mortgage repossessions by county court bailiffs in England and Wales rose 40 per cent in July to September 2025 compared with the same quarter in 2024, from 876 to 1,228, according to Ministry of Justice statistics published on 13 November 2025¹. Landlord repossessions rose 9 per cent over the same period, from 7,036 to 7,641¹. Both increases came alongside falls in the number of new claims issued.

Mortgage possession claims fell 5 per cent, from 6,527 to 6,193, but mortgage orders rose 20 per cent, from 4,031 to 4,840, and warrants issued rose 23 per cent, from 3,159 to 3,876¹. For landlord possession, claims fell 8 per cent from 25,402 to 23,327, orders fell 5 per cent from 19,238 to 18,283 and warrants fell 4 per cent from 11,826 to 11,405¹.

The Ministry of Justice said in its statistician's comment:

Within landlord claims, accelerated claims fell 15 per cent, private landlord claims fell 6 per cent and social landlord claims fell 3 per cent compared with the same quarter in 2024¹. In Q3 2025, 38 per cent (8,773) of all landlord possession claims were social landlord claims, against 31 per cent (7,314) private landlord claims and 31 per cent (7,240) accelerated claims¹. The publication notes this contrasts with pre-covid proportions, when around 60 per cent of claims were social landlord claims¹.

Source: Ministry of Justice¹

Timeliness lengthened at the final stage for both tenures. The median time from mortgage claim to repossession rose to 46.1 weeks from 44.0 weeks a year earlier, while the median from claim to warrant fell to 33.1 weeks from 35.5 weeks and the median from claim to order was unchanged at 8 weeks¹. For landlord cases, the median from claim to repossession rose to 27.4 weeks from 24.4 weeks, the median from claim to warrant rose to 15.3 weeks from 14 weeks, and the median from claim to order was 7.6 weeks, down by less than a week¹.

The mortgage figures are driven by outright orders, which make up more than two thirds of cases: the median from claim to repossession was 42.9 weeks for outright orders, an increase of 3.3 weeks, and 114.7 weeks for suspended orders, a decrease of 41.8 weeks¹. Claims fell across all regions, and all types of landlord claims remained concentrated in London, with 7,813 landlord claims and 6,052 landlord orders at London courts, 33 per cent of each total¹.

Why it matters for households

The figures cover England and Wales and relate to the July to September 2025 quarter¹. They describe possession action in the county courts, not the number of households currently in arrears, and the publication does not report arrears or affordability data.

For households in mortgage arrears, the practical point is that fewer new claims were issued than a year earlier, but a higher share of the cases already in the system reached order, warrant and bailiff repossession. The median wait from claim to repossession is now 46.1 weeks, 2.1 weeks longer than a year earlier¹. For renters, landlord claims, orders and warrants all fell, but repossessions rose, and the median wait from claim to repossession rose by 3 weeks to 27.4 weeks¹.

The publication also notes the Housing Loss Prevention Advice Service, which provides advice to tenants and homeowners once they are served with a written notice asking them to leave their home; it is not means tested, but individuals must show evidence they are at risk of losing their home¹. The statistics do not report how many people used the service in the quarter.

The Renters' Rights Act received royal assent on the 27th October 2025 and, following implementation, will change the law around rented homes in England¹. The Ministry of Justice said it will continue to monitor changes to the landlord statistics and review how the data is presented as the act is implemented¹. The publication does not set out a commencement date for the act's provisions.

What happens next

The next update to the mortgage and landlord possession statistics is scheduled for 12 February 2026¹.

For background on the court process, see mortgage repossession in England and Wales and the mortgages guide, including mortgage terms and extending your mortgage term.