The huge homeownership hurdle

Hannah Aldridge, Senior Research and Policy Analyst at the Resolution Foundation, explains why having a decent salary isn't always enough to get a mortgage, and what we can do about it.

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I’ve reached a point in my life where many of my peers are homeowners who talk about things like ‘kitchen triangles’[1]. As someone who doesn’t own their home, I nod smile and remind myself that I’m not alone. That’s what the data says anyway – the number of mortgagors is falling, more so among low … Continued

Latest planning data casts doubt on the Government’s ability to deliver 1.5 million additional homes

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Data on planning decisions out today shows that 7,000 planning applications for residential developments were granted in the second quarter of 2025, as shown in Figure 1. This is the lowest quarterly level since comparable records began in 1979. Over the past year as a whole (the 12 months to June 2025), 29,000 residential applications … Continued

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