Rising mortgage costs & our mental health: Why more young adults are seeking therapy.
Almost 1 in 3 people (29%) in England and Wales have felt the effects of escalating mortgage costs over the past year. That’s almost 14 million individuals navigating increased financial pressure.
Even more concerning? 10% report that this financial strain has significantly impacted their mental health.
For young adults in the UK, rising mortgage rates, rent increases, and housing instability aren’t just financial issues - they’re emotional ones.
If you’re wondering whether therapy might help, you’re not alone - and you’re not overreacting.
For young homeowners or first-time buyers, mortgage stress can feel especially heavy
We cannot tell you how many people come in, sit down and tell us that they’re feeling like they’re juggling too much and not enough at the same time.
You navigated rising rent, increasing house prices, and a housing crisis that’s the weekly topic of news headlines to purchase a property of your own.
But don’t forget, you’re building a career while trying to prove yourself. Making decisions about relationships, plans for family life and long-term commitments - all while still trying to figure it all out.
‘At your age’ there are social expectations for you to be moving forward - professionally, financially, personally, all at once, from all angles.
So when your costs increase, it’s not surprising that this pressure rarely stays confined to a spreadsheet.
I chose this mortgage - I shouldn’t complain
If nearly 1 in 3 people in England and Wales are feeling the strain of rising mortgage costs, this isn’t a personal failure. It's systemic pressure.
You worked hard to “get on the ladder”, did the responsible thing. And now, instead of security, you feel uncertainty. You aren’t alone, and your feelings are valid.
Remember, financial stress often doesn’t sit in isolation, it can compound the weight of everything else you are already carrying.
Financial pressure is common - suffering in silence doesn’t have to be
While you can’t control interest rates, you can strengthen how you cope with uncertainty.
Unprocessed emotions don’t vanish, they resurface - and usually where we don't want them too. If financial stress is affecting your sleep, mood, confidence, or relationships - that’s reason enough to talk to someone.
Leaning into support can help you feel:
Calmer
Clearer
More in control
Better equipped to handle uncertainty
Rising costs may be outside both yours and our control, but how we care for your mental health isn’t. Therapy gives you space before things escalate further, space to understand your reactions, build emotional independence, strengthen boundaries and leave you better equipped to handle uncertainty without feeling overwhelmed by it.
What therapy looks like at Tuudae
1. Book an initial assessment
This is a focused phone call conversation, booked at a time that suits you, to understand what you’ve been experiencing and what you’d like support with. It helps us ensure you’re seen by the right therapist.
2. Your first therapy session
You’ll explore things in more depth with your therapist and begin shaping a way of working that feels right for you. This is a conversation, with well timed questions, pauses for thought and space for you to just say what you really feel, without needing to keep the peace.
3. A plan that fits you
Together, you’ll agree on a plan that suits your goals, timeframe and budget. Therapy at Tuudae. is not one-size-fits-all.
Behind the scenes, there is clinical thinking and professional structure guiding the work. In the room, however, the space is yours. Your therapist will support you, hold boundaries, and gently challenge you when needed.
Taking your next steps
It all starts with a conversation.
If something here resonates, book an assessment today and take the first step towards feeling clearer, steadier and more in control.