UK Home Equity Lending Market Size & Share Analysis - Growth Trends & Forecasts (2025 - 2030)

The Report Covers Home Equity Loan Market and it is segmented by Types, (Fixed Rate Loans, Home Equity Line of Credit (HELOC)), By Service Provider, (Banks, Building Societies, Online, Credit Unions and Others), and by Mode (Online and Offline).

UK Home Equity Lending Market Size & Share Analysis - Growth Trends & Forecasts (2025 - 2030)

UK Home Equity Lending Market Size

uk home equity lending market size
Study Period 2020 - 2030
Base Year For Estimation 2024
Forecast Data Period 2025 - 2030
Historical Data Period 2020 - 2023
CAGR 5.00 %
Market Concentration Medium

Major Players

uk home equity lending market share

*Disclaimer: Major Players sorted in no particular order

Compare market size and growth of UK Home Equity Lending Market with other markets in Financial Services and Investment Intelligence Industry

Insurance

Alternative Investments

Wealth Management

Fintech

Islamic Finance

Asset Management

UK Home Equity Lending Market Analysis

The UK Home Equity Lending Market is expected to register a CAGR of 5% during the forecast period.

Many firms encountered uncertainty as a result of Covid-19, which resulted in job losses or reduced pay. As the crisis drags on, banks, credit unions, and other lenders continue to take a cautious approach to lend, putting some of their products on hold. The Home Equity lending market especially Home Equity line of credit (HELOC) is impacted by the Corona-virus pandemic. During the COVID-19 pandemic, some of the country's top banks declared that they would no longer be accepting new HELOC applications.

Homeownership in the United Kingdom was at a declining state since early 2000. The highest homeownership in the early 2000s had hit low after the global financial crisis. There have been some signs of improvements and homeownership is recovering slightly in the last couple of years. The number of UK citizens investing in 'buy to let property has increased dramatically over the past year. Property has become a popular alternative to traditional investments and pensions, as it provides both rental income and capital growth. Buying the investment property is tough and requires a large cash reserve. It is a slow process and needs a cash reserve of 20-30 % of the total investment so, Investor are utilizing the home equity lending and home equity line of credit for investment in property. A home equity line of credit may be a preferable option for an investment property if the investor can agree on the amount to be borrowed and then withdraw the funds only when needed. Once an investor has located an investment property, they can borrow the funds they need - for a deposit, a cash purchase, or to cover costs - and only pay back the funds after they have utilized them. Home equity loans of credit are generally flexible, allowing the borrower to repay the loan and redraw it at a later period. So, if an investor purchases an investment property, he or she can develop it and resell it, and can use the proceeds from sale to repay the home equity line of credit.

UK Home Equity Lending Industry Overview

Home Equity Lending Services are provided by high-street banks, Online banks, Building Societies, Credit Unions, and other institutions. Residents of the United Kingdom have access to a few - but not many - home equity loan companies that offer equity loans and HELOCs. Many banks offer home equity lending in the UK but it is more common to find a Home equity line of credit (HELOC) than home equity loans. Since different forms of companies offer home equity lending products, the market for home equity lending is fragmented in nature.

UK Home Equity Lending Market Leaders

  1. Barclays Bank

  2. Bank of England

  3. Selina Advance

  4. Aviva

  5. Nationwide Building Society

  6. *Disclaimer: Major Players sorted in no particular order
 Barclays Bank, Bank of England, Selina Advance, Aviva UK,  Nationwide Building Society,  Coventry Building Society
Need More Details on Market Players and Competiters?
Download PDF

UK Home Equity Lending Market News

  • In February 2022, Selina Advance, a London-based fintech business, has raised USD150 million in investment to expand its home equity lending solutions to customers across the UK. The round of fundraising, coordinated by global private equity platform Lightrock, included USD 35 million in equity and USD 115 million in loans from Goldman Sachs and GGC to help the company expand across the UK.
  • On February 2, 2022, Santander announced its decision to stop originating residential mortgages and home equity lines of credit (HELOCs) . Santander will continue to service existing home loans and lines of credit received till February 11, 2022.

UK Home Equity Lending Market Report - Table of Contents

1. INTRODUCTION

  • 1.1 Study Assumptions and Market Definition
  • 1.2 Scope of the Study

2. RESEARCH METHODOLOGY

3. EXECUTIVE SUMMARY

4. MARKET INSIGHTS AND DYNAMICS

  • 4.1 Market Overview
  • 4.2 Market Driver
  • 4.3 Market Restraints
  • 4.4 Porters 5 Force Analysis
    • 4.4.1 Threat of New Entrants
    • 4.4.2 Bargaining Power of Buyers/Consumers
    • 4.4.3 Bargaining Power of Suppliers
    • 4.4.4 Threat of Substitute Products
    • 4.4.5 Intensity of Competitive Rivalry
  • 4.5 Insight on Technologial Adoption in the Market
  • 4.6 Insight on Various Government Regulations in the Market
  • 4.7 Impact of Covid 19 on market

5. MARKET SEGMENTATION

  • 5.1 By Product Type
    • 5.1.1 Fixed Rate Loans
    • 5.1.2 Home Equity Line of Credit
  • 5.2 By Service Provider
    • 5.2.1 Banks
    • 5.2.2 Building Societies
    • 5.2.3 Online
    • 5.2.4 Credit Unions
    • 5.2.5 Others
  • 5.3 By Mode
    • 5.3.1 Online
    • 5.3.2 Offline

6. COMPETITIVE LANDSCAPE

  • 6.1 Market Concentration Overview
  • 6.2 Company Profiles
    • 6.2.1 Barclays Bank
    • 6.2.2 Bank of England
    • 6.2.3 Selina Advance
    • 6.2.4 Aviva UK
    • 6.2.5 Nationwide Building Society
    • 6.2.6 Coventry Building Society
    • 6.2.7 Royal Bank of Scotland
    • 6.2.8 Legal and General
    • 6.2.9 LV Friendly Society
    • 6.2.10 Onefamily*
  • *List Not Exhaustive

7. MARKET OPPORTUNITIES AND FUTURE TRENDS

8. DISCLAIMER AND ABOUT US

You Can Purchase Parts Of This Report. Check Out Prices For Specific Sections
Get Price Break-up Now

UK Home Equity Lending Industry Segmentation

Home equity lending allows homeowners to get credit based on how much equity they have in their homes. Lenders normally allow homeowners to borrow up to 80 percent of their home equity in a lump sum, which may be a big figure for those who have paid off a major portion of their mortgage or who own their property outright. This report aims to provide a detailed analysis of Home equity lending in the United Kingdom. It focuses on the market dynamics, emerging trends in the segments, the future of markets, and insights on various drivers and restraints. Also, it analyses the key players and the competitive landscape in the market. The UK Home Equity Lending Market can be segmented by Types, (Fixed Rate Loans, Home Equity Line of Credit (HELOC)), By Service Provider, (Banks, Building Societies, Online, Credit Unions and Others), and by Mode (Online and Offline).

By Product Type Fixed Rate Loans
Home Equity Line of Credit
By Service Provider Banks
Building Societies
Online
Credit Unions
Others
By Mode Online
Offline
Need A Different Region or Segment?
Customize Now

UK Home Equity Lending Market Research FAQs

What is the current UK Home Equity Lending Market size?

The UK Home Equity Lending Market is projected to register a CAGR of 5% during the forecast period (2025-2030)

Who are the key players in UK Home Equity Lending Market?

Barclays Bank, Bank of England, Selina Advance, Aviva and Nationwide Building Society are the major companies operating in the UK Home Equity Lending Market.

What years does this UK Home Equity Lending Market cover?

The report covers the UK Home Equity Lending Market historical market size for years: 2020, 2021, 2022, 2023 and 2024. The report also forecasts the UK Home Equity Lending Market size for years: 2025, 2026, 2027, 2028, 2029 and 2030.

UK Home Equity Lending Industry Report

Statistics for the 2025 UK Home Equity Lending market share, size and revenue growth rate, created by Mordor Intelligence™ Industry Reports. UK Home Equity Lending analysis includes a market forecast outlook for 2025 to 2030 and historical overview. Get a sample of this industry analysis as a free report PDF download.