UK bank lending secured on dwellings
UK bank lending secured on dwellings stood at £1,730,867m in Aug 2026, according to Bank of England. It is one of the indicators in the Bank lending table (Value · Monthly), with a complete series running from Apr 1993 to Aug 2026. The complete series with an interactive chart, free to download.
This indicator in the Bank lending table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total lending to individuals | 1,990,363 | 1,984,135 | 1,978,711 | 1,970,127 | 1,966,938 | 1,962,114 | 1,953,962 | 1,947,487 | 1,941,362 | 1,935,454 | |
| Lending secured on dwellings | 1,730,867 | 1,726,374 | 1,722,160 | 1,715,069 | 1,713,483 | 1,710,063 | 1,703,411 | 1,698,149 | 1,693,563 | 1,689,247 | |
| Consumer credit | 259,496 | 257,761 | 256,551 | 255,059 | 253,456 | 252,051 | 250,551 | 249,338 | 247,800 | 246,207 |
Understanding UK bank lending secured on dwellings
Authorised lending institutions measure outstanding debt balances tied directly to residential property ownership across the United Kingdom, including first-charge and second-charge mortgages extended to individuals. This category isolates long-term borrowing secured against bricks and mortar, separating property-backed debt from unsecured personal loans and credit card facilities. It excludes commercial real estate lending, buy-to-let loans held by corporate entities, and social housing finance provided to local authorities.
Interpreting these balances requires caution regarding early statistical estimates, which are subject to regular revisions as reporting agents submit corrected returns. Seasonality plays a minor role in total outstanding balances compared to monthly flows, but property market cycles heavily influence long-term trajectories. Analysts frequently contrast this series with consumer credit metrics to distinguish between asset-backed household leverage and general consumer spending financed through unsecured debt.
Frequently asked questions
- What specific financing arrangements are included under this heading?
- The figures cover all residential mortgages secured against property by individuals within the United Kingdom, encompassing both primary home loans and additional secured borrowing.
- Are buy-to-let mortgages included in these figures?
- Buy-to-let lending to individuals is captured, but mortgages held strictly within incorporated limited companies are classified under business lending rather than household debt.
- How frequently are these mortgage stock figures revised?
- Initial estimates published by statistical compilers undergo routine revisions in subsequent months as reporting institutions refine their administrative returns.