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UK households are increasingly relying on borrowing to manage day-to-day finances. December’s Consumer Sentiment Index shows that the need for unsecured credit reached a 16-month high , while access to credit remains constrained. This combination has important implications for construction demand heading into 2026. Business leaders and decision makers in the construction industry must consider the impact of household debt and funding constraints when planning future projects,

UK consumer confidence deteriorated further in December, reaching its weakest level in nearly two years. According to the latest S&P Global UK Consumer Sentiment Index (CSI) , the headline index fell to 44.7 , down from 45.2 in November , signalling broad-based pessimism across household finances, spending intentions, and job security. Shifts in consumer sentiment have a direct impact on construction businesses and the organisations responsible for project delivery, influenci