UK household debt excluding mortgages rises 90% over decade to £19,659, ClearScore says
SPY•ClearScore analysis found average UK household debt excluding mortgages reached £19,659 in September 2026, up 90% over 10 years.
1. Debt levels rise
Student loans accounted for 56% of non-mortgage borrowing, averaging £10,981 per household. Average personal loans reached a record £5,937 per household, while credit card balances hit an all-time high of £2,761. Households with mortgages had average outstanding mortgage debt of £200,426.
