The UK fairness launch market confirmed regular progress in Q3 2025, with whole lending reaching £639m, up from £636m in Q2 and 4% increased than the identical interval in 2024.
Though the variety of plans fell barely, clients had been releasing bigger sums on common. The development displays advice-led monetary planning, with older householders drawing on housing fairness to handle family budgets, help relations, and plan for future wants amid financial uncertainty.
Suggestions from advisers, collected by way of the Council’s quarterly survey, signifies a cautious however assured buyer base. Round three-quarters of advisers reported that some shoppers have deferred selections whereas ready for price stability. These shifting forward are specializing in paying down mortgages or managing debt inside longer-term monetary methods.
Total, the information factors to a mature and steady market, with debtors performing prudently whereas exhibiting confidence in long-term property values.
| MARKET ACTIVITY Q3 2025 | |||||
| Total exercise | Q3 2024 | Q2 2025 | Q3 2025 | Quarterly change | Annual change |
| Complete lending | £615m | £636m | £639m | 0% | +4% |
| Complete plans | 14,281 | 14,404 | 13,158 | -9% | -8% |
| New plans | 5,370 | 5,319 | 4,932 | -7% | -8% |
| Returning drawdowns | 7,796 | 7,640 | 6,999 | -8% | -10% |
| Additional advances* | 1,115 | 1,445 | 1,127 | -22% | +1% |
Regular annual lending progress suggests householders are selecting the choice of fairness launch after cautious deliberation.
| AVERAGE LOAN SIZES | ||||||
| Common mortgage worth | Q3 2024 | Q2 2025 | Q3 2025 | Quarterly change | Annual change | |
| New lump sum | £111,618 | £126,422 | £116,507 | -8% | +4% | |
| Preliminary drawdown | £69,952 | £65,856 | £83,906 | +27% | +20% | |
| Drawdown reserve | £49,747 | £53,338 | £71,044 | +33% | +43% | |
| Returning drawdown | £12,768 | £13,150 | £14,549 | +11% | +14% | |
| Lump-sum additional advance | £28,570 | £30,180 | £41,069 | +36% | +44% | |
| DD preliminary additional advance* | £25,759 | £27,303 | £30,331 | +11% | +18% | |
| DD reserve additional advance* | £10,030 | £6,545 | £6,273 | -4% | -37% | |
| Product selection amongst new clients | Drawdown: 49% | Lump sum: 51% | ||||
Common mortgage sizes elevated considerably throughout each new and present clients, notably drawdown and further-advance exercise.
Moreover, lump-sum lending edged forward for the primary time since late 2022, whereas drawdown continues to play a key position in enabling versatile long-term planning.
David Burrowes, chair of the Fairness Launch Council, commented: “This quarter’s efficiency displays a resilient, assured and accountable market working in difficult situations. Whereas fewer clients launched fairness, those that did had been performing with clear monetary goal and powerful help from specialist recommendation.
“Rising common mortgage sizes, and continued use of drawdown flexibility, present individuals are utilizing property wealth rigorously to handle prices, help relations and plan forward.
“Fairness launch stays an vital a part of later-life monetary planning. The sector continues to reveal resilience, with sturdy client safeguards and recommendation requirements at its core.”
