Current Financial Landscape Continues to Reshape Consumer Mortgage Management

▤ Summary

Equifax UK says current economic conditions continue to reshape how UK households manage mortgages and consumer credit. Mortgage repayments are now 45% above January 2022 levels, and some borrowers are extending loan terms beyond 35 years to preserve affordability. Credit card origination also rose in 2025, showing that consumers are still seeking higher credit limits despite tighter conditions. The data points to persistent pressure on household finances and a need for ongoing monitoring of consumer resilience.

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