What does this UK mortgage lending table cover?

This table covers UK gross lending, net lending, outstanding balances, loan approvals and repayments across different lender types and borrowing purposes.

Which lender types are tracked in the UK mortgage market data?

The data breaks down the UK mortgage market across banks and building societies, other specialist lenders, other lenders and all lenders combined.

What mortgage purposes and repayment types are included?

Approvals are classified by house purchase, remortgaging and other purposes, while repayments are split into regular repayments, repayments on redemption and other lump sums.

How far back does this monthly UK mortgage data go?

Monthly statistics in this table, sourced from the Building Societies Association using Bank of England data, extend back to 1999.

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UK mortgage lending by lender type

Name: UK mortgage lending by lender type
Creator: Building Societies Association (from Bank of England data)

The British mortgage market from three sides, month by month since 1999.

Source: Building Societies Association (from Bank of England data)Last updated: Sep 06, 2026, 16:53Curated 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
Balances outstanding by lender4
Banks and building societies	1,554,125	1,549,446	1,541,042	1,539,480	1,537,874	1,531,477	1,528,362	1,525,387	1,521,701	1,519,277	1,514,005	1,509,072	1,504,233	1,499,938	1,493,753	1,490,847	1,492,782	1,480,168	1,477,915	1,473,893	1,475,383	1,472,332	1,468,711	1,465,217	1,461,086	1,458,700	1,455,123	1,454,610	1,454,158	1,453,903	1,453,805	1,454,731	1,456,635	1,456,124	1,455,904	1,455,328	1,452,724
Other specialist lenders	114,585	114,057	113,984	114,414	112,497	112,409	112,525	112,004	112,285	112,239	112,127	111,827	111,948	111,228	113,638	114,026	114,246	114,109	115,057	115,093	113,503	113,443	113,366	113,699	113,720	113,478	113,405	112,123	111,877	111,548	111,459	111,158	111,361	111,429	111,893	112,210	112,518
Other lenders	58,473	58,286	58,099	57,912	57,725	57,538	57,351	57,164	57,162	57,160	57,158	57,117	57,076	57,035	56,999	56,963	56,927	56,570	56,213	55,856	55,914	55,972	56,030	55,959	55,888	55,817	55,737	55,657	55,577	55,423	55,269	55,115	54,800	54,485	54,170	53,972	53,774
All lenders	1,727,182	1,721,789	1,713,125	1,711,806	1,708,096	1,701,424	1,698,238	1,694,555	1,691,148	1,688,676	1,683,290	1,678,015	1,673,257	1,668,201	1,664,390	1,661,836	1,663,954	1,650,847	1,649,185	1,644,841	1,644,800	1,641,747	1,638,107	1,634,875	1,630,694	1,627,995	1,624,264	1,622,390	1,621,612	1,620,874	1,620,533	1,621,004	1,622,796	1,622,038	1,621,968	1,621,510	1,619,016
Gross lending by lender4
Banks and building societies	27,593	26,178	21,757	23,487	23,585	19,077	20,882	21,644	22,846	28,115	24,872	22,711	26,031	21,958	17,343	14,005	32,133	19,687	19,602	19,117	20,741	22,798	18,817	20,881	20,473	18,258	19,517	17,533	15,808	15,009	15,350	15,398	17,001	16,952	18,293	20,652	18,200
Other specialist lenders	1,598	1,544	1,230	1,362	1,503	1,253	1,554	1,467	1,481	1,830	1,694	1,419	1,621	1,400	1,119	953	1,748	1,233	1,417	1,348	1,463	1,462	1,131	1,178	1,329	1,242	1,431	1,390	1,254	1,195	1,192	1,046	1,229	1,057	1,021	1,184	1,094
Other lenders	307	307	307	307	307	307	307	121	121	121	128	128	128	96	96	96	477	477	477	95	95	95	149	149	149	142	142	142	287	287	287	372	372	372	306	306	306
All lenders	29,498	28,029	23,294	25,156	25,395	20,637	22,743	23,231	24,449	30,066	26,693	24,259	27,780	23,453	18,558	15,054	34,358	21,397	21,496	20,560	22,299	24,355	20,097	22,208	21,951	19,642	21,090	19,065	17,349	16,490	16,829	16,817	18,603	18,381	19,620	22,143	19,601
Net lending by lender4
Banks and building societies	4,317	8,678	2,918	4,277	6,219	2,861	2,761	3,799	4,305	4,978	5,706	4,552	4,598	5,937	2,396	-1,789	12,132	1,818	3,782	2,127	2,754	4,284	3,185	3,815	2,133	3,379	1,307	282	-65	-22	-2,512	-1,502	1,145	14	182	2,403	-317
Other specialist lenders	757	302	-246	210	289	54	669	143	223	347	581	63	660	234	-4	-98	453	-491	532	216	258	337	-223	99	374	158	390	321	261	144	443	-107	170	-310	-228	-171	-264
Other lenders	187	187	187	187	187	187	187	2	2	2	41	41	41	36	36	36	357	357	357	-58	-58	-58	71	71	71	80	80	80	154	154	154	315	315	315	198	198	198
All lenders	5,261	9,167	2,859	4,674	6,696	3,102	3,617	3,944	4,529	5,327	6,328	4,656	5,299	6,207	2,428	-1,851	12,942	1,683	4,671	2,285	2,953	4,562	3,033	3,985	2,578	3,618	1,777	683	350	276	-1,915	-1,294	1,629	19	152	2,430	-383
Approvals by purpose, value4
House purchase		17,586	15,035	17,451	18,685	15,093	11,189	11,324	15,054	17,622	16,822	16,028	19,328	18,152	17,099	15,162	16,886	14,935	12,424	11,663	15,676	17,512	15,289	15,748	17,148	15,571	16,143	15,627	14,774	13,526	9,635	8,124	10,910	10,590	9,299	10,152	11,840
Remortgaging		7,652	7,132	11,409	13,950	9,392	7,395	7,383	8,526	8,653	8,767	7,928	9,368	9,289	9,464	7,331	8,114	6,791	6,409	5,279	7,268	8,182	6,657	5,596	5,576	5,104	6,056	6,015	7,203	8,129	5,718	5,077	5,723	5,430	4,073	5,121	8,103
Other purposes		730	706	798	1,075	808	680	663	704	863	883	729	873	847	729	726	798	668	620	506	605	736	694	638	674	653	640	659	655	612	526	356	502	453	473	498	670
All purposes		25,968	22,873	29,658	33,710	25,293	19,264	19,370	24,284	27,138	26,472	24,685	29,569	28,288	27,292	23,219	25,798	22,394	19,453	17,448	23,549	26,430	22,640	21,982	23,398	21,328	22,839	22,301	22,632	22,267	15,879	13,557	17,135	16,473	13,845	15,771	20,613
Approvals by purpose, number4
House purchase		68,036	59,180	67,593	72,295	58,652	44,767	45,145	59,465	69,760	68,358	64,076	77,032	72,486	68,422	62,069	69,901	60,925	51,368	47,288	63,501	72,592	65,048	66,939	73,174	66,625	69,014	67,528	63,394	58,929	43,032	36,231	50,096	48,927	44,293	48,063	53,023
Remortgaging		33,758	31,756	49,546	59,340	41,137	32,941	32,187	37,603	39,294	39,738	35,863	42,019	40,176	39,719	33,703	37,288	32,072	30,068	24,836	33,718	38,224	31,929	27,422	27,269	25,207	29,011	30,050	34,083	38,130	27,605	24,085	28,380	27,046	20,953	26,097	39,126
Other purposes		12,785	12,022	13,882	17,184	14,531	11,799	10,616	11,671	14,640	14,522	12,181	14,589	13,917	12,322	11,718	11,917	10,483	9,856	7,503	9,540	10,942	10,155	9,258	10,243	9,454	10,320	10,330	9,826	9,310	7,490	5,337	7,361	6,575	6,593	7,317	8,726
All purposes		114,579	102,958	131,021	148,819	114,320	89,507	87,948	108,739	123,694	122,618	112,120	133,640	126,579	120,463	107,490	119,106	103,480	91,292	79,627	106,759	121,758	107,132	103,619	110,686	101,286	108,345	107,908	107,303	106,369	78,127	65,653	85,837	82,548	71,839	81,477	100,875
Gross lending by purpose3
House purchase	17,600	16,761	13,996	14,621	15,808	13,392	13,052	15,792	16,401	18,282	15,971	16,118	16,794	14,824	11,975	7,903	26,941	14,421	13,495	14,142	14,703	16,630	13,776	15,679	14,398	13,152	12,932	10,583	10,884	10,048	8,925	9,890	11,904	12,010	12,103	14,001	11,885
Remortgaging	10,925	10,243	8,344	9,490	8,395	6,414	8,748	6,429	7,231	10,641	9,665	7,293	9,861	7,680	5,754	6,254	6,462	6,165	7,265	5,731	6,863	6,875	5,592	5,827	6,749	5,842	7,361	7,812	5,827	5,809	7,294	6,375	6,114	5,793	6,873	7,523	7,072
Other purposes	974	1,025	953	1,045	1,193	831	943	1,010	817	1,142	1,057	847	1,125	949	830	897	955	812	736	687	733	850	729	702	804	648	797	669	638	634	610	552	584	579	644	619	644
Repayments by type4
Regular repayments	5,250	5,253	5,043	5,249	5,495	5,220	5,456	5,354	5,530	5,265	5,249	4,998	5,115	5,172	4,914	5,281	5,264	5,209	5,432	5,224	5,098	5,182	5,073	4,967	5,312	4,856	5,133	5,342	4,989	5,354	5,760	5,420	5,215	5,203	5,133	5,103	5,103
Repayments on redemption	18,312	13,418	14,362	14,316	11,888	11,196	12,299	12,637	13,198	17,844	13,729	13,455	16,319	11,006	10,046	10,389	14,934	12,581	10,003	12,184	12,882	13,104	10,912	12,232	12,878	10,322	12,888	11,603	10,807	9,673	11,826	11,674	9,841	11,283	12,362	12,518	13,049
Other lump sum repayments	1,408	1,368	1,304	1,368	1,540	1,210	1,516	1,388	1,257	1,708	1,557	1,259	1,525	1,335	1,194	1,446	1,586	1,379	1,515	1,317	1,430	1,521	1,285	1,319	1,407	1,089	1,476	1,544	1,362	1,356	1,538	1,327	2,086	2,008	1,980	2,244	2,229
All repayments	24,970	20,039	20,709	20,933	18,923	17,625	19,271	19,380	19,985	24,816	20,536	19,712	22,960	17,513	16,154	17,116	21,783	19,170	16,949	18,725	19,411	19,807	17,269	18,518	19,597	16,267	19,497	18,488	17,158	16,383	19,124	18,421	17,142	18,494	19,475	19,865	20,381

Latest reading

All lenders stood at £1,727,182m in Jul 2026. That is +0.3% from Jun 2026 and +3.2% from a year earlier. The series on this page is monthly and runs from Jan 1999 to Jul 2026. Source: Building Societies Association (from Bank of England data).

Latest: £1,727,182m; Jul 2026
vs previous period: +0.3%; Jun 2026
vs a year earlier: +3.2%

About this data

The British mortgage market from three sides, month by month since 1999. Who lends the money: balances outstanding, gross new lending and net lending, split between banks and building societies, specialist lenders and everyone else — the specialist-lender share is the shape of the credit cycle in one line, climbing from 6% of balances in 1999 to 35% at the peak in 2008, then collapsing. What the borrowing is for: approvals by value and by number, for house purchase, remortgaging or other purposes. And how it is paid back: scheduled repayments, redemptions when a property is sold or refinanced, and voluntary lump sums — a direct reading of how households respond to higher interest rates.

Frequently asked questions

What does this UK mortgage lending table cover?: This table covers UK gross lending, net lending, outstanding balances, loan approvals and repayments across different lender types and borrowing purposes.
Which lender types are tracked in the UK mortgage market data?: The data breaks down the UK mortgage market across banks and building societies, other specialist lenders, other lenders and all lenders combined.
What mortgage purposes and repayment types are included?: Approvals are classified by house purchase, remortgaging and other purposes, while repayments are split into regular repayments, repayments on redemption and other lump sums.
How far back does this monthly UK mortgage data go?: Monthly statistics in this table, sourced from the Building Societies Association using Bank of England data, extend back to 1999.