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LLB Later Life Borrowing

Property wealth locked in UK homes

A large share of the nation's wealth is held in bricks and mortar rather than in cash or pensions. Of an estimated 2.6 trillion pounds of total UK homeowner equity, roughly 1.8 trillion pounds is held by people aged over 55. This page sets out those headline figures and offers an illustrative regional split, clearly marked as a placeholder until it is replaced with sourced data.

~1.8tn pounds housing equity held by the over-55s
~2.6tn pounds total UK homeowner equity

Headline figures are widely cited industry estimates of UK housing equity, June 2026. Confirm against the latest ONS Wealth and Assets Survey and Land Registry data.

Illustrative regional breakdown. The regional table below is a placeholder to show the format. The numbers are not sourced and should be replaced with figures from the ONS Wealth and Assets Survey (property wealth by age) joined to the Land Registry UK House Price Index. Do not quote the regional figures as fact.
Illustrative regional split of over-55 housing equity (placeholder)
RegionIndicative over-55 equityStatus
LondonAbout 320 billion poundsIllustrative
South EastAbout 300 billion poundsIllustrative
South WestAbout 180 billion poundsIllustrative
East of EnglandAbout 170 billion poundsIllustrative
North WestAbout 150 billion poundsIllustrative
West MidlandsAbout 130 billion poundsIllustrative
Yorkshire and the HumberAbout 120 billion poundsIllustrative
East MidlandsAbout 110 billion poundsIllustrative
ScotlandAbout 120 billion poundsIllustrative
North EastAbout 70 billion poundsIllustrative
WalesAbout 70 billion poundsIllustrative
Northern IrelandAbout 40 billion poundsIllustrative
Source: Illustrative only, to be replaced with ONS Wealth and Assets Survey + Land Registry data
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How this is measured

The headline totals are widely quoted industry estimates of housing equity held by UK homeowners and by the over-55s specifically, as at June 2026. They should be confirmed against primary sources before being relied upon: the Office for National Statistics Wealth and Assets Survey for property wealth by age, and the Land Registry UK House Price Index for property values. The regional table is illustrative only and carries no source; it exists to show the intended format and will be replaced with a sourced regional join. Where a figure here is labelled illustrative or indicative, do not treat it as a measured statistic.