Mortgage Arrears and Repossessions in England
This paper outlines current and historic policies to assist homeowners who are struggling with their mortgage payments, and examines trends in mortgage arrears and repossessions.

This short paper summarises trends in unemployment rates and looks at how rates vary by ethnicity, age and sex.
Unemployment by ethnic background (147 KB , PDF)
1.29 million people aged 16+ were unemployed in October-December 2022. Of these, 914,000 were from a White ethnic background and 3580000 were from a minority ethnic background.
The UK unemployment rate was 3.8% in October-December 2022. The rate was 3.1% for people from a White ethnic background compared to 7.5% for people from minority ethnic backgrounds, although there was substantial variation between different ethnic minority groups.
People from White ethnic background (3.1%) and Other ethnic backgrounds (5.4%) had the lowest unemployment rates, and people from Mixed/multiple ethnic background (11.3%) and a Pakistani ethnic background (8.7%) had the highest rates in October-December 2022.
The number of people from a minority ethnic background who are unemployed has increased by 21,000 from the same period last year. Unemployment levels decreased by 108,000 for people from a White ethnic background.
The unemployment rate fell from 7.7% to 7.5% for people from a minority ethnic background, while it fell from 3.5% to 3.1% for people from a White ethnic background.
Prior to the start of the coronavirus pandemic, unemployment was at historically low levels for people from both White and minority ethnic backgrounds.
There was an increase in unemployment for all people following the start of the pandemic, although the impact was greater on people from minority ethnic backgrounds.
Unemployment during the pandemic was considerably lower than following the 2008 downturn. The unemployment rate for people from a White ethnic background reached a peak of 7.8% in 2011 while the rate for people from ethnic minority backgrounds increased to a peak of 14.7% in 2009.
Since October-December 2021, unemployment levels have generally been falling for people from both White and minority ethnic backgrounds. The unemployment rates in July-September 2022 were low compared to historic rates.
Unemployment by ethnic background (147 KB , PDF)
This paper outlines current and historic policies to assist homeowners who are struggling with their mortgage payments, and examines trends in mortgage arrears and repossessions.
There will be a Westminster Hall debate on the impact of increases in the cost of living on further and higher education students on Tuesday 19 September at 4:30pm. This is a one hour debate sponsored by Paul Blomfield MP.
Unemployment: International Comparisons: Data on harmonised unemployment rates for major international economies.