Financial help from family to buy a home

Published

Last updated 2 March 2018 - see all updates

There is a new version of this page. View the latest version.

1. Main facts and figures

  • 14.3 million (63%) of the estimated 22.6 million households in England owned their home either outright or with a mortgage in the time period studied

  • 1 million (7%) of the 14.3 million homeowners in England bought their current home with financial help from family members

  • there was little difference between ethnic groups in the financial help home buyers received from their family members

Things you need to know

Compared with White British households, ethnic minority households tend to:

  • be younger
  • have lived in England for a shorter time
  • be located in urban areas
  • live in larger households
  • live in rented accommodation

To ensure that there is a large enough number of ethnic minority households to produce reliable findings, the data is drawn from the English Housing Survey (EHS) 2014/15 and 2015/16.

Information about households available from the EHS Headline and Annual Reports is normally based on a 12-month period (April to March) of the survey. Because of this some of the statistics cited here may not match those in the Headline and Annual Reports.

The commentary only includes findings based on subgroups of at least 30 households to ensure that we report reliable findings. For this reason, information is not provided about households from Gypsy, Traveller or Irish Traveller, Mixed White and Black Caribbean, Mixed White and Black African, Other Mixed, Other Black or Arab ethnic backgrounds.

It is not possible to look in detail into the financial help owner occupiers got from their family when they bought their home. This is because the sample sizes of individual ethnic groups when further broken down by other characteristics, such as income, socio-economic group, region or age are not large enough to give reliable estimates.

The EHS is a ‘sample survey’: it collects information from a random sample of the population to make generalisations (reach 'findings’) about the total population.

For example, EHS findings might include the percentage of households who get help from their family to buy their own home.

The commentary for this data only includes reliable, or ‘statistically significant’, findings.

Findings are statistically significant when we can be confident that they are reflective of the total population rather than just the survey sample.

What the data measures

This data measures the differences by ethnicity in financial help given by family members to buy a home.

‘Financial help’ includes any gift or loan from family members which is used to pay all or part of the cost of buying a home.

The figures are drawn from the 2014/15 and 2015/16 English Housing Survey (EHS). The survey involves face-to-face interviews with about 13,300 randomly selected households every year.

These are used to make estimates for the 22.6 million households in England as a whole.

The EHS is a national survey of people's housing circumstances and the condition and energy efficiency of homes in England.

The information relates to households. A household is one person or a group of people (not necessarily related) who have the accommodation as their only or main residence. If they are a group they also must share cooking facilities and a living room, sitting room, or dining area.

The EHS has ethnicity information on the household reference person as well as all other members of the household. The household reference person is the person in whose name the dwelling is owned or rented or who is otherwise responsible for the accommodation.

Some households contain people from different ethnic backgrounds; in these circumstances, we have used the ethnic background of the household reference person to define the ethnic background of the household.

Nearly all the household reference persons – more than 99.8% interviewed – provided information on their ethnicity.

The ethnic categories used in this data

This data uses the standardised ethnic groups based on the 2011 Census.

White:

  • English/Welsh/Scottish/Northern Irish/British
  • Irish
  • Gypsy, Traveller or Irish Traveller
  • Any Other White background

Mixed/Multiple ethnic groups:

  • White and Black Caribbean
  • White and Black African
  • White and Asian
  • Any Other Mixed/Multiple ethnic background

Asian/Asian British:

  • Indian
  • Pakistani
  • Bangladeshi
  • Chinese
  • Any Other Asian background

Black/African/Caribbean/Black British:

  • African
  • Caribbean
  • Any Other Black/African/Caribbean background

Other ethnic group:

  • Arab
  • Any Other ethnic group

2. Households getting financial help from family to buy their home by ethnicity

Percentage and number of households who had financial help from family to buy a home by ethnicity
Ethnicity % help from family to buy households All households
Asian
Bangladeshi 11 4,077 37,717
Chinese 11 5,219 48,537
Indian 11 36,553 329,941
Pakistani 15 27,035 185,014
Asian other 11 9,710 85,834
Black
Black African 6 4,804 75,274
Black Caribbean 5 5,630 110,634
Black other withheld because a small sample size makes it unreliable withheld because a small sample size makes it unreliable withheld because a small sample size makes it unreliable
Mixed
Mixed White/Asian 4 1,967 44,723
Mixed White/Black African withheld because a small sample size makes it unreliable withheld because a small sample size makes it unreliable withheld because a small sample size makes it unreliable
Mixed White/Black Caribbean withheld because a small sample size makes it unreliable withheld because a small sample size makes it unreliable withheld because a small sample size makes it unreliable
Mixed other withheld because a small sample size makes it unreliable withheld because a small sample size makes it unreliable withheld because a small sample size makes it unreliable
White
White British 7 825,331 12,207,546
White Irish 8 8,046 94,940
White Gypsy/Traveller withheld because a small sample size makes it unreliable withheld because a small sample size makes it unreliable withheld because a small sample size makes it unreliable
White other 16 51,820 328,913
Other
Arab withheld because a small sample size makes it unreliable withheld because a small sample size makes it unreliable withheld because a small sample size makes it unreliable
Any other 8 5,797 70,392

Download table data for ‘Households getting financial help from family to buy their home by ethnicity’ (CSV) Source data for ‘Households getting financial help from family to buy their home by ethnicity’ (CSV)

Summary of Financial help from family to buy a home Households getting financial help from family to buy their home by ethnicity Summary

This data shows that:

  • 1 million (7%) out of the 14.3 million homeowners in England bought their current home with financial help from family members

  • 7% of White British homeowners had help from family members (around 825,000 homeowners)

  • a higher percentage of homeowners from Indian (11%), Pakistani (15%) or Other White (16%) backgrounds had financial help from family members

  • although the survey estimates show differences between home owners who had help from family members for the remaining ethnic groups, the number of households surveyed was too small to draw firm conclusions

3. Methodology

The EHS consists of:

  • face-to-face interviews with a random sample of about 13,300 households a year
  • a physical inspection of the homes of about 6,000 of the interviewed households – these are selected at random and carried out by a surveyor

The surveyor also inspects a random sample of about 200 properties identified by the interviewer as vacant.

Weighting:

Weighting is used to adjust the results of a survey to make them representative of the population.

For example, a survey which contains 25% females and 75% males will not accurately reflect the views of the general population, which we know is around 50% male and 50% female.

Statisticians rebalance or ‘weight’ the survey results to more accurately represent the general population. This helps to make them more reliable.

Survey weights are usually applied to make sure the survey sample has broadly the same gender, age, ethnic and geographic make up as the general population.

In the EHS, weighting makes the results more representative of the 22.6 million households in England.

Suppression rules and disclosure control

Estimates based on less than 30 households have not been included in these statistics, because small numbers of households make it impossible to draw meaningful conclusions. Detailed data, including some potentially disclosive data, is protected by a range of disclosure controls. See the guidance on English Housing Survey: datasets for information accessing this data.

Rounding

Estimates in the charts and tables are given to the nearest whole number. You can get more detailed estimates to 1 decimal place if you download the data.

Quality and methodology information

4. Data sources

Source

Type of data

Survey data

Type of statistic

National Statistics

Publisher

Ministry of Housing, Communities and Local Government

Note on corrections or updates

Information published in the EHS headline report and other annual reports is usually based on a 12-month period, rather than the 2 years’ combined data used here. As a result, the statistics shown here may not match those in the EHS reports.

Publication frequency

Yearly

Purpose of data source

The English Housing Survey is a continuous national survey commissioned by the Ministry of Housing, Communities and Local Government. It collects information about people’s housing circumstances and the condition and energy efficiency of housing in England.

5. Download the data

Financial help from family to buy home - Spreadsheet (csv) 3 KB

This file contains the following: ethnicity, year, geography, value, denominator, numerator and sample size