Out of 20 · higher means lower stress
Latest rate · lower is healthier
Latest completed reading
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Homeowner arrears rate over time
The raw UK Finance arrears rate is the clearest view of whether borrower stress is rising or easing. The source is quarterly, so repeated monthly points represent the same published reading.
Stress containment score over time
This banded score converts the arrears rate into the wider Mortgage Market Health Index.
How stress is measured
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The Version 1 stress pillar is driven by the UK Finance homeowner arrears rate, which acts as the clearest live signal of whether borrower strain is becoming more elevated.
How arrears are translated into the containment score
- 12 out of 12 raw: arrears rate below 0.75% — very low arrears.
- 9 out of 12 raw: arrears rate from 0.75% to under 1.00% — contained arrears.
- 6 out of 12 raw: arrears rate from 1.00% to under 1.25% — moderately elevated arrears.
- 3 out of 12 raw: arrears rate from 1.25% to under 1.50% — high arrears.
- 0 out of 12 raw: arrears rate of 1.50% or more — severely high arrears.
How this appears in the index
The raw stress score is calculated out of 12, then rescaled to a displayed pillar score out of 20 so it fits the weighting used in the wider Mortgage Market Health Index. Throughout this page, a higher score is healthier: it means arrears are lower and borrower stress is more contained.
Important note
This is a standardised borrower-stress benchmark. It is designed to track whether financial pressure on existing homeowners is becoming more contained or more elevated over time, rather than to capture every form of stress in the housing system.