Exposed: Black Homeownership in the UK (The 2026 Data Is Shocking)

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???? SOURCES & DATA USED IN THIS VIDEO

Homeownership rates by ethnicity (2021–23)
GOV.UK Ethnicity Facts & Figures — Home Ownership (published April 2025)
https://www.ethnicity-facts-figures.service.gov.uk/housing/owning-and-renting/home-ownership/latest/

Social renting rates by ethnicity
GOV.UK Ethnicity Facts & Figures — Renting Social Housing (published April 2025)
https://www.ethnicity-facts-figures.service.gov.uk/housing/social-housing/renting-from-a-local-authority-or-housing-association-social-housing/latest/

£0 median Black household property wealth + poverty rates
Joseph Rowntree Foundation — Ethnicity and Homeownership (December 2025)

https://www.jrf.org.uk/race-and-ethnicity/ethnicity-and-homeownership

UK Poverty 2025 — ethnicity breakdown
Joseph Rowntree Foundation — UK Poverty 2025 (January 2025)
https://www.jrf.org.uk/uk-poverty-2025-the-essential-guide-to-understanding-poverty-in-the-uk
Ethnic wealth gap widening since 2012
LSE Centre for Analysis of Social Exclusion — The Ethnic Wealth Divide in the UK (December 2025)
https://www.lse.ac.uk/news/uk-ethnic-wealth-gap-has-widened-over-last-decade
Wealth differences at all levels of net worth
LSE — Large Ethnic Differences in Wealth at All Levels of Net Worth (August 2023)
https://www.lse.ac.uk/news/latest-news-from-lse/h-august-2023/large-ethnic-differences-in-wealth-at-all-levels-of-net-worth-shows-new-report
Housing costs as % of income + private renting burden by ethnicity
Resolution Foundation — Heritage and Home: Investigating Ethnic Inequalities in Housing Affordability (February 2025)
https://www.resolutionfoundation.org/app/uploads/2025/02/Heritage-and-home.pdf
Falling homeownership rates — ethnic minority analysis
Positive Money — Falling Homeownership Rates in England Primarily Among Ethnic Minorities (April 2023)
https://positivemoney.org/2023/04/falling-homeownership-rates-in-england-primarily-among-ethnic-minorities-new-analysis/
Intergenerational housing mobility — Black households
Cambridge University, Journal of Social Policy — Ethnic Differences in Intergenerational Housing Mobility in England and Wales (2024)
https://www.cambridge.org/core/journals/journal-of-social-policy/article/ethnic-differences-in-intergenerational-housing-mobility-in-england-and-wales/0D4A3C86A91DCD9221776C151D9597D0
First-time buyer deposit averages + affordability data
ONS — Housing Affordability in England and Wales: 2024
https://www.ons.gov.uk/peoplepopulationandcommunity/housing/bulletins/housingaffordabilityinenglandandwales/2024
English Housing Survey 2024–25 (first-time buyer ethnicity data)
MHCLG — English Housing Survey Headline Report 2024–25
https://assets.publishing.service.gov.uk/media/6930595d4bedc0e762303ffa/2024-25_EHS_Headline_Report.pdf
UK house prices (November 2025)
GOV.UK — UK House Price Index for November 2025
https://www.gov.uk/government/news/uk-house-price-index-for-november-2025
Bank of England base rate history
Bank of England — Official Bank Rate History
https://www.bankofengland.co.uk/boeapps/database/Bank-Rate.asp
Stamp duty changes April 2025
NatWest — Stamp Duty Changes April 2025
https://www.natwest.com/mortgages/mortgage-guides/stamp-duty-introduction/stamp-duty-changes.html
Mortgage Guarantee Scheme — made permanent 2025
GOV.UK — 2025 Mortgage Guarantee Scheme
https://www.gov.uk/government/publications/2025-mortgage-guarantee-scheme
Racial discrimination in financial services
Fair4All Finance — Levelling the Playing Field: Ethnicity Report (2024)
https://fair4allfinance.org.uk/levelling-the-playing-field-ethnicity-report/
Ethnic minority access to mortgages
ScienceDirect — Ethnic Minorities' Access to Mortgages in the UK (2021)
https://www.sciencedirect.com/science/article/abs/pii/S1544612321002555
Race equality in housing policy
Taylor & Francis — Race Equality in Housing: Tracing the Postracial Turn in English Housing Policy (2024)
https://www.tandfonline.com/doi/full/10.1080/02673037.2024.2388189

All data is from peer-reviewed research, government statistics, or established think tanks. Every figure used in this video is cited above.
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