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In 2024 we published our comprehensive report covering first time buyers in the UK. It highlighted how outstanding owner- occupier mortgages had fallen by over two million since their peak in 2006.

This is because prospective first-time buyers are facing two affordability challenges – the high cost of buying and, more recently, the high cost of owning.

As a result, more young people are stuck in the expensive private rented sector or at home with their parents. The report suggested Government should do more to make homes affordable, available and appropriate, with building societies prepared to contribute.

This update looks at some of the key trends since then. It also analyses data to identify the ‘missing millions’ - those households that would have been expected to buy their first home but have failed to do so since the financial crisis.

Download the report here