United Kingdom: Debt service ratios for private non-financial sector
* indicates monthly or quarterly data series
The most recent value is 13.1 percent as of Q4 2025, an increase compared to the previous value of 13 percent. Historically, the average for the United Kingdom from Q1 1999 to Q4 2025 is 15.53 percent. The minimum of 12.9 percent was recorded in Q2 2025, while the maximum of 19.6 percent was reached in Q4 2007.
Click on the following link to see the values of: Debt service ratios for private non-financial sector around the world.
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* indicates monthly or quarterly data series
- Measure: percent
- Source: Bank for International Settlements (BIS)
| Recent values | United Kingdom: Debt service ratios for private non-financial sector |
|---|---|
| 2025 Q4 | 13.1 |
| 2025 Q3 | 13 |
| 2025 Q2 | 12.9 |
| 2025 Q1 | 13 |
| 2024 Q4 | 13.7 |
| 2024 Q3 | 13.6 |
| 2024 Q2 | 13.6 |
| 2024 Q1 | 13.6 |
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Definition: Debt service ratio - comprising interest payments and debt amortizations as a proportion of the income of the private non-financial sector. The DSR is a measure of the financial constraints imposed by indebtedness.
| Related indicators | Latest | Reference | Measure |
|---|---|---|---|
| Inflation | 3.3 | 2024 | percent |
| Exchange rate regimes | 7 | 2023 | index points |
| USD exchange rate | 0.7510 | 6/2026 | Local Currency Units per USD |
| Money supply (broad money) | 3,194.28 | 12/2025 | billion |
| Consumer Price Index (CPI) | 159.2247 | 5/2026 | index points |
| Inflation, monthly | 0.21 | 5/2026 | percent |
| Inflation, annual | 2.89 | 5/2026 | percent |
| Private sector credit | 2,218.99 | 12/2025 | billion |
| Business credit | 533.90 | 12/2025 | billion |
| Household credit | 1,685.09 | 12/2025 | billion |
| Mortgage credit | 1,525.39 | 12/2025 | billion |
| Consumer credit | 159.70 | 12/2025 | billion |
| Deposit interest rate | 3.76 | 12/2025 | percent |
| Business credit interest rate | 5.54 | 12/2025 | percent |
| Mortgage credit interest rate | 4.33 | 12/2025 | percent |
| Policy rate | 3.75 | 6/2026 | percent |
| Household debt to GDP | 73.60 | 12/2025 | percent |
| Debt service ratios for private non-financial sector | 13.10 | Q4/2025 | percent |
| Business credit in local currency | 484.65 | 3/2026 | billion local currency units |
| Business credit in foreign currency | 65.27 | 3/2026 | billion local currency units |
| Household credit in local currency | 1,696.35 | 3/2026 | billion local currency units |
| Household credit in foreign currency | 1.87 | 3/2026 | billion local currency units |
| Private credit in local currency | 2,181.00 | 3/2026 | billion local currency units |
| Private credit in foreign currency | 67.13 | 3/2026 | billion local currency units |
| Bank deposits, total | 4,017.62 | 4/2026 | billion local currency units |
| Bank deposits, local currency | 3,268.96 | 4/2026 | billion local currency units |
| Bank deposits, foreign currency | 748.65 | 4/2026 | billion local currency units |