What is measured in the UK bank lending to households and firms table?

It covers monthly lending by UK monetary financial institutions, including secured lending on dwellings, consumer credit card balances, mortgage approvals and lending to businesses.

How does the Bank of England break down UK business lending?

Business lending is broken down by business size into SMEs and large businesses, as well as by sector, including manufacturing, agriculture, and electricity, gas and water supply.

What mortgage metrics are included for the UK?

The table reports gross mortgage lending flows, monthly repayments, net secured lending, and the number and value of mortgage approvals for both house purchase and remortgaging.

How frequently is UK bank lending data published?

The Bank of England updates these lending series every month, with historical monthly flows and growth rates available since 1993.

UK bank lending to households and firms

Name: UK bank lending to households and firms
Creator: Bank of England

How much UK banks and building societies lend, monthly: the stock of lending to individuals split between mortgages and consumer credit, gross mortgage lending and repayments, mortgage approvals for house purchase and remortgaging, and net lending to businesses — small and medium-sized enterprises against large companies, and by industry (Bank of England).

Source: Bank of EnglandLast updated: Sep 06, 2026, 16:43Curated by Bui Thanh PhucAbout this data ↓

Indicator	07-2026	06-2026	05-2026	04-2026	03-2026	02-2026	01-2026	12-2025	11-2025	10-2025	09-2025	08-2025	07-2025	06-2025	05-2025	04-2025	03-2025	02-2025	01-2025	12-2024	11-2024	10-2024	09-2024	08-2024	07-2024	06-2024	05-2024	04-2024	03-2024	02-2024	01-2024	12-2023	11-2023	10-2023	09-2023	08-2023	07-2023
Lending to individuals (Bank of England)3
Total lending to individuals2	1,984,308	1,978,764	1,970,157	1,966,910	1,961,989	1,953,838	1,947,369	1,941,251	1,935,386	1,930,913	1,925,095	1,919,706	1,913,783	1,908,156	1,904,225	1,901,499	1,901,580	1,888,231	1,883,528	1,877,407	1,874,960	1,872,200	1,869,261	1,865,645	1,861,737	1,858,091	1,854,528	1,851,759	1,846,147	1,844,453	1,841,634	1,838,938	1,841,705	1,840,356	1,838,610	1,838,338	1,835,937
Lending secured on dwellings	1,726,779	1,722,354	1,715,181	1,713,480	1,709,936	1,703,253	1,697,981	1,693,396	1,689,119	1,686,390	1,681,908	1,677,578	1,673,048	1,668,778	1,666,090	1,664,047	1,665,546	1,652,388	1,648,686	1,643,805	1,642,392	1,639,601	1,636,733	1,634,209	1,631,210	1,628,440	1,625,944	1,624,788	1,622,776	1,622,299	1,620,456	1,619,454	1,620,309	1,620,694	1,620,063	1,620,959	1,619,779
Consumer credit1	257,529	256,410	254,976	253,430	252,052	250,585	249,389	247,855	246,267	244,523	243,187	242,128	240,735	239,378	238,135	237,452	236,034	235,844	234,843	233,602	232,568	232,599	232,528	231,436	230,527	229,652	228,584	226,971	223,371	222,155	221,178	219,484	221,395	219,662	218,548	217,379	216,157
Credit card balances	82,250	81,624	79,988	79,601	79,791	79,402	78,896	78,265	77,747	77,002	76,596	76,086	75,526	74,958	74,483	74,330	73,442	73,205	72,602	71,974	71,680	71,931	71,574	71,355	71,078	70,815	70,630	70,139	70,225	69,701	69,428	69,009	68,835	67,970	67,603	67,124	66,674
Monthly flows and growth4
Gross mortgage lending, monthly flow	25,872	26,858	26,949	27,340	28,446	24,744	24,142	23,438	23,857	24,491	24,730	22,761	24,528	23,416	20,581	16,538	40,041	25,560	21,894	21,462	20,781	20,032	19,359	19,892	19,729	20,227	22,556	20,598	20,394	18,605	17,478	17,738	16,753	16,121	18,614	19,307	18,975
Mortgage repayments, monthly flow	21,266	21,196	22,687	22,467	20,190	18,739	19,314	18,992	19,539	22,508	20,001	19,788	19,582	19,196	17,211	18,347	23,957	20,340	16,443	18,888	18,307	17,962	17,372	18,046	16,768	18,467	20,245	19,082	19,508	16,584	18,498	19,126	15,613	17,320	19,661	18,798	18,668
Secured lending to individuals, net flow	4,292	7,677	3,242	4,509	6,707	5,188	4,520	4,813	4,784	4,424	5,383	4,428	4,513	5,085	1,917	-1,231	12,992	3,724	5,208	3,655	2,692	3,788	2,326	2,803	2,649	2,383	1,059	1,916	90	1,778	-442	-358	486	580	-1,201	1,115	215
Lending to individuals, 12-month growth	4.3	4.3	4.2	4.1	3.8	4.1	4	4	3.9	3.8	3.7	3.5	3.4	3.3	3.1	3.1	3.2	2.5	2.4	2.1	1.9	1.9	1.7	1.5	1.5	1.3	1.3	1.2	1	1	1	1.1	1.3	1.4	1.5	1.8	2
Mortgage approvals2
All approvals, number2	102,058	104,166	102,186	128,660	127,696	118,278	112,588	114,274	115,108	111,974	117,038	116,605	117,968	120,409	115,035	105,364	107,131	107,515	111,098	108,507	108,285	110,664	106,842	102,761	97,211	98,311	98,786	99,112	103,274	105,444	95,407	91,705	83,724	78,516	71,020	77,824	97,171
House purchase approvals, number	56,053	58,215	56,396	65,044	62,920	62,278	60,145	61,395	64,592	64,762	66,053	65,278	65,905	64,721	62,618	59,736	63,461	64,611	66,270	66,942	65,907	67,846	65,596	65,361	62,854	61,254	60,800	61,208	61,146	59,676	56,032	52,530	50,287	48,082	44,027	45,321	49,374
Remortgaging approvals, number	34,500	34,111	33,816	50,304	50,121	41,323	38,681	38,943	37,306	33,636	37,499	38,365	39,177	42,286	40,674	34,363	32,990	32,250	33,782	31,256	32,060	32,678	31,405	28,047	25,374	27,597	28,562	28,626	32,564	36,671	30,931	31,536	25,862	24,081	20,613	25,494	39,494
All approvals, value2	23,766	23,275	22,798	28,645	28,880	26,593	24,580	24,672	25,219	24,886	25,458	25,686	26,526	26,458	26,063	22,515	23,150	23,568	23,693	23,120	23,399	24,255	22,765	21,910	20,905	20,779	20,863	20,362	21,795	22,399	19,263	18,652	16,305	15,805	13,937	15,055	20,040
House purchase approvals, value	14,503	14,732	14,208	16,776	16,132	15,996	15,570	15,274	16,356	16,505	16,572	16,422	16,454	15,835	15,464	14,588	15,212	15,836	16,566	16,416	16,373	16,496	15,743	15,455	14,539	14,111	13,938	14,093	14,213	13,729	12,856	11,932	10,942	10,464	9,587	9,554	10,926
Remortgaging approvals, value	8,175	7,263	7,431	11,408	12,092	9,543	8,518	8,725	8,486	7,660	8,489	8,611	8,799	9,227	9,479	7,385	7,391	6,890	7,056	6,516	6,892	7,200	6,733	5,789	5,206	5,309	5,837	5,649	7,142	7,900	6,299	6,532	5,159	4,960	4,109	5,044	8,229
Lending to businesses (Bank of England)4
Net lending to all businesses, monthly flow2	1,821	1,577	1,208	5,125	5,602	4,207	8,533	1,643	7,004	-65	593	4,601	5,263	-533	9,248	1,652	247	-359	2,056	-559	5,394	3,857	1,140	1,991	-396	3,983	-772	-867	-1,928	-3,136	1,236	-1,077	-1,392	-204	5,031	-2,344	2,611
Net lending to SMEs, monthly flow	805	659	215	1,263	719	678	715	700	778	628	537	351	770	472	711	145	-702	-192	310	118	122	534	-157	-285	-381	-500	-533	-686	-1,048	-644	-51	-1,038	-436	-937	-798	-744	-519
Net lending to large businesses, monthly flow	1,017	917	993	3,862	4,883	3,529	7,818	943	6,226	-693	56	4,250	4,493	-1,005	8,537	1,507	949	-168	1,746	-677	5,272	3,322	1,296	2,276	-16	4,483	-239	-182	-880	-2,492	1,287	-39	-955	733	5,829	-1,600	3,129
Net lending to all businesses, 12-month growth2	7.5	8.2	7.8	9.5	8.8	7.9	7	5.8	5.4	5.2	6	6.1	5.6	4.5	5.4	3.5	3	2.6	2	1.9	1.8	0.5	-0.3	0.5	-0.4	0.2	-1.8	-1.7	-1.2	-0.6	-0.7	-1.1	-0.7	0.1	-1.1	-1.9	-0.4
Net lending to SMEs, 12-month growth	4.1	4.1	4	4.3	3.7	2.9	2.5	2.3	2	1.7	1.7	1.3	0.9	0.3	-0.2	-0.8	-1.3	-1.5	-1.7	-1.9	-2.5	-2.8	-3.6	-3.9	-4.1	-4.2	-4.6	-4.7	-4.7	-4.6	-4.6	-4.8	-4.6	-4.4	-4.7	-4.3	-4.1
Net lending to large businesses, 12-month growth	9.4	10.5	9.9	12.3	11.7	10.6	9.5	7.8	7.3	7.1	8.3	8.7	8.1	6.8	8.5	5.8	5.3	4.8	4	3.9	4.1	2.3	1.5	2.9	1.7	2.7	-0.2	-0.1	0.7	1.7	1.6	1.1	1.6	2.7	0.9	-0.5	1.7
Lending to SMEs by industry14
All industries	202,931	202,105	201,436	201,144	201,224	199,366	198,657	198,354	198,765	197,968	197,309	196,808	196,466	196,097	195,516	194,365	178,918	179,126	179,712	179,307	179,121	178,787	178,038	178,703	179,633	180,310	179,652	181,534	182,778	183,158	183,051	183,916	185,593	186,420	188,090	188,596	189,296
Agriculture, hunting and forestry	16,163	16,050	15,866	15,769	15,738	15,512	15,456	15,407	15,602	15,618	15,677	15,661	15,806	15,777	15,700	15,691	15,485	15,484	15,554	15,588	15,696	15,689	15,712	15,938	16,054	16,012	15,833	15,807	15,805	15,781	15,802	15,777	15,979	16,001	16,070	16,130	16,286
Mining and quarrying	671	704	745	731	771	671	629	708	605	632	821	781	788	883	802	817	889	786	829	915	833	885	955	835	734	863	768	717	847	772	798	922	943	973	938	853	890
Manufacturing	8,517	8,753	8,799	8,748	8,607	8,702	8,830	8,875	8,847	8,856	8,840	9,071	8,877	8,918	8,881	8,812	9,888	9,905	10,032	10,068	10,157	10,008	9,238	9,378	9,616	9,514	9,474	9,553	9,631	9,649	9,672	9,818	9,997	10,202	10,353	10,407	10,487
Electricity, gas and water supply	5,738	5,741	5,931	5,701	5,560	5,606	5,562	5,574	5,425	5,317	5,213	5,214	5,104	4,960	5,093	4,987	5,350	5,526	5,514	5,433	5,341	5,333	5,262	5,607	5,662	5,728	5,368	5,496	5,495	5,418	5,358	5,179	5,272	5,213	5,203	5,090	5,169
Construction	13,714	13,648	13,670	13,668	13,901	13,764	13,867	13,828	14,120	14,200	14,212	14,290	14,453	14,432	14,426	14,530	13,612	13,884	13,837	13,766	13,818	13,767	13,937	13,929	14,054	14,034	14,352	15,572	15,610	15,853	15,924	16,022	16,309	16,359	16,517	16,765	16,796
Wholesale and retail trade	13,909	13,762	13,654	13,769	13,798	13,534	13,634	13,821	13,800	13,916	13,948	13,870	14,102	14,016	14,129	14,152	14,695	14,690	14,779	14,919	14,840	15,026	15,047	15,067	15,191	15,434	15,321	15,534	15,881	15,925	16,121	16,407	16,740	16,974	17,621	17,756	17,881
Accommodation and food services	11,784	11,896	11,818	11,885	11,831	11,756	11,635	11,747	11,767	11,623	11,550	11,591	11,630	11,649	11,669	11,661	11,150	11,057	11,096	11,205	11,257	11,198	11,377	11,432	11,527	11,625	11,619	11,719	11,852	11,933	11,939	12,083	12,199	12,351	12,633	12,641	12,723
Transport, storage and communication	8,740	8,807	8,858	8,957	8,998	8,995	9,030	9,078	9,040	9,029	9,136	8,845	8,871	8,869	8,721	8,485	8,839	8,726	8,934	8,851	8,989	9,050	9,018	9,040	9,104	9,111	9,133	9,050	9,210	9,404	9,634	9,583	9,809	9,831	9,909	10,071	9,989
Real estate and professional services	103,899	103,171	102,451	102,193	102,318	101,234	100,452	99,758	99,743	98,911	98,103	97,831	97,147	96,703	96,103	95,423	79,410	79,286	79,055	78,748	78,446	77,884	77,692	77,523	77,655	77,865	77,721	77,941	78,086	78,067	77,335	77,262	77,315	77,439	77,710	77,630	77,552
Public administration and defence	769	669	740	744	741	682	753	723	778	856	717	834	717	792	908	754	736	859	1,100	732	714	846	769	845	786	813	773	798	776	752	728	717	727	623	660	566	618
Education	2,341	2,298	2,292	2,321	2,372	2,376	2,326	2,345	2,446	2,390	2,331	2,301	2,381	2,410	2,412	2,427	2,396	2,388	2,402	2,444	2,457	2,468	2,520	2,576	2,605	2,597	2,635	2,682	2,754	2,810	2,857	2,922	2,992	2,983	2,958	2,967	3,045
Human health and social work	12,646	12,623	12,631	12,595	12,532	12,462	12,371	12,359	12,381	12,379	12,463	12,263	12,275	12,309	12,204	12,206	12,135	12,168	12,144	12,124	12,051	12,106	11,986	11,989	12,045	12,106	12,014	11,958	12,067	12,014	12,042	12,254	12,335	12,421	12,370	12,437	12,458
Recreational, personal and community services	4,040	3,983	3,982	4,064	4,056	4,074	4,110	4,131	4,211	4,242	4,297	4,256	4,315	4,379	4,470	4,420	4,332	4,368	4,437	4,515	4,521	4,528	4,525	4,544	4,599	4,608	4,641	4,708	4,764	4,781	4,842	4,968	4,976	5,050	5,149	5,283	5,402
Lending to large businesses by industry14
All industries	393,533	392,612	392,584	389,214	388,382	381,723	376,675	371,709	369,863	364,630	365,895	365,047	357,768	352,822	354,024	345,761	363,096	359,143	359,815	359,193	355,493	351,339	348,151	348,195	342,372	344,203	341,790	339,853	342,797	340,619	342,405	343,949	342,945	345,829	347,075	339,442	338,694
Agriculture, hunting and forestry	4,003	3,944	3,878	3,690	3,563	3,407	3,430	3,343	3,216	3,197	3,135	3,068	3,071	3,036	2,918	2,813	2,110	2,100	2,129	2,130	2,093	2,137	2,152	2,166	2,160	2,175	2,152	2,077	2,058	2,060	2,031	2,260	2,247	2,262	2,206	2,213	2,246
Mining and quarrying	6,840	6,770	7,018	7,118	7,867	6,471	5,793	5,719	5,530	6,053	6,434	5,919	5,700	6,793	6,387	6,768	6,138	5,578	6,510	6,563	5,480	5,754	6,600	6,178	5,794	6,318	5,774	5,709	7,449	6,305	6,280	7,278	7,030	7,315	7,439	6,520	6,288
Manufacturing	37,299	38,668	39,065	39,055	37,449	37,958	38,611	36,169	38,688	38,111	37,946	38,985	37,523	36,154	38,645	36,095	35,027	35,184	35,518	35,072	36,589	35,508	31,196	31,421	32,090	31,994	33,173	32,882	32,935	34,342	34,597	34,185	34,802	35,940	35,826	34,178	34,890
Electricity, gas and water supply	38,259	37,852	38,558	37,787	36,614	36,342	36,086	35,945	36,280	34,877	34,796	34,469	34,001	34,241	33,319	32,743	31,834	32,366	32,276	31,847	31,351	31,325	32,011	33,403	33,181	33,167	31,674	31,932	31,479	31,099	30,754	30,325	29,359	30,050	30,548	28,930	28,558
Construction	19,342	19,260	20,309	20,420	20,253	20,761	19,934	18,860	20,274	19,586	19,440	19,276	18,965	18,370	18,810	18,705	19,201	19,048	18,734	18,370	19,467	18,769	18,582	18,539	18,024	18,167	18,276	18,185	17,958	17,567	17,386	17,309	17,520	17,695	17,459	17,520	17,419
Wholesale and retail trade	32,116	33,339	31,925	31,949	33,135	32,403	31,193	32,569	30,638	31,029	31,851	31,612	30,469	30,433	28,676	28,708	30,674	30,011	30,578	32,609	30,897	30,352	30,829	30,863	30,297	31,932	30,196	30,603	31,131	30,149	31,408	33,425	33,683	35,026	37,382	35,207	36,864
Accommodation and food services	17,567	17,289	16,951	16,579	16,280	16,171	16,211	15,925	16,234	15,687	15,596	15,727	15,128	14,979	14,951	14,988	15,658	15,635	15,409	15,493	15,207	14,690	14,779	14,564	14,776	14,937	15,374	15,063	15,187	15,008	14,796	15,038	15,186	15,296	15,046	15,038	15,091
Transport, storage and communication	38,979	39,614	39,798	38,772	38,675	37,198	37,066	37,036	35,571	35,570	35,466	35,703	36,162	35,392	33,716	32,581	32,628	30,931	31,731	30,478	30,717	31,426	30,376	30,431	28,895	28,814	29,317	28,868	29,569	29,276	30,010	28,986	28,990	29,566	30,242	29,498	29,275
Real estate and professional services	170,216	167,287	166,728	165,144	163,252	162,466	160,870	158,642	156,803	154,808	154,601	153,282	151,044	147,887	147,140	146,446	162,971	162,064	160,203	159,224	157,684	155,521	154,992	154,069	151,494	150,459	151,083	148,878	147,951	147,901	148,463	147,519	146,999	145,539	144,176	143,561	141,770
Public administration and defence	9,567	9,551	9,956	10,106	12,929	10,644	9,353	9,495	8,779	8,210	9,392	9,653	8,190	8,328	12,280	8,704	9,564	8,979	9,451	10,129	9,322	9,032	9,689	10,044	9,565	10,233	8,747	9,193	10,649	10,895	10,825	11,031	10,568	10,655	10,474	10,453	10,199
Education	5,485	5,464	5,306	5,382	5,377	5,383	5,541	5,642	5,772	5,508	5,307	5,338	5,168	4,884	4,712	4,841	4,862	4,939	4,869	4,846	4,726	4,785	4,964	4,910	4,690	4,760	4,721	4,864	4,941	4,881	4,849	5,060	5,037	5,057	5,088	5,049	5,160
Human health and social work	8,679	8,766	8,414	8,299	8,154	8,063	8,057	7,840	7,708	7,504	7,646	7,815	7,898	7,941	7,937	7,684	7,645	7,620	7,471	7,466	7,469	7,381	7,465	7,394	7,271	7,209	7,212	7,225	7,031	7,135	6,865	7,148	7,263	7,131	7,166	7,423	7,126
Recreational, personal and community services	5,181	4,806	4,678	4,912	4,835	4,456	4,530	4,525	4,371	4,489	4,285	4,201	4,448	4,385	4,533	4,684	4,783	4,687	4,936	4,966	4,491	4,662	4,516	4,213	4,133	4,037	4,090	4,376	4,459	4,001	4,141	4,386	4,262	4,296	4,025	3,852	3,808

Latest reading

Total lending to individuals stood at £1,984,308m in Jul 2026. That is +0.3% from Jun 2026 and +3.7% from a year earlier. The series on this page is monthly and runs from Apr 1993 to Jul 2026. Source: Bank of England.

Latest: £1,984,308m; Jul 2026
vs previous period: +0.3%; Jun 2026
vs a year earlier: +3.7%

About this data

Frequently asked questions

What is measured in the UK bank lending to households and firms table?: It covers monthly lending by UK monetary financial institutions, including secured lending on dwellings, consumer credit card balances, mortgage approvals and lending to businesses.
How does the Bank of England break down UK business lending?: Business lending is broken down by business size into SMEs and large businesses, as well as by sector, including manufacturing, agriculture, and electricity, gas and water supply.
What mortgage metrics are included for the UK?: The table reports gross mortgage lending flows, monthly repayments, net secured lending, and the number and value of mortgage approvals for both house purchase and remortgaging.
How frequently is UK bank lending data published?: The Bank of England updates these lending series every month, with historical monthly flows and growth rates available since 1993.