Household Debt:

1. Historical Trends: Household debt peaked in Q3 2008 at 156.4% of household disposable income.
2. Decline and Growth: After reaching the peak, household debt declined to 134.6% by early 2016. However, it started growing again from early 2016, resulting in a debt-to-income ratio of 138.8% by early 2017.
3. Recent Data (Q2 2023): The debt-to-income ratio was reported at 126.8%, indicating a decrease compared to previous levels.

Mortgage Interest Rates (November 2023):

1. Average Standard Variable Rate (SVR): 8.03%, showing an increase of 2.16 percentage points compared to the previous year.
2. Average 2-Year Fixed Mortgage Rate: 5.28%, reflecting a decrease of 0.7 percentage points compared to the previous year.

Individual Insolvencies:

1. Q3 2023 Data (England and Wales): There were 24,418 individual insolvencies, which is 1,539 fewer than in the previous quarter. The level is 15.4% lower than Q3 2022.
2. Historical Trend: The largest increase in individual insolvencies was observed between Q2 2020 and Q3 2020.
3. Regional Data (Scotland): In Scotland, there were 2,074 individual insolvencies in Q3 2023, remaining the same as the previous year.
4. Regional Data (Northern Ireland): In Northern Ireland, there were 357 individual insolvencies in Q3 2023, indicating a 14% decrease compared to the previous year.

These statistics provide an overview of trends in household debt, mortgage interest rates, and individual insolvencies, offering insights into the financial landscape over the specified periods.