UK mortgage repayments monthly flow
UK mortgage repayments monthly flow stood at £20,370m 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 Jan 1999 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Monthly flows and growth | |||||||||||
| Mortgage repayments, monthly flow | 20,370 | 21,091 | 21,057 | 22,615 | 22,414 | 20,162 | 18,738 | 19,359 | 19,015 | 19,580 | |
| Secured lending to individuals, net flow | 4,410 | 4,082 | 7,595 | 3,127 | 4,385 | 6,676 | 5,178 | 4,521 | 4,852 | 4,860 |
Understanding UK mortgage repayments monthly flow
Registered banking entities record the aggregate value of capital returned by borrowers on residential mortgages during each monthly period across the United Kingdom. This flow tracks all principal reductions, including scheduled monthly amortisations, lump-sum redemptions, and early repayments resulting from property sales or remortgaging. It excludes regular interest payments charged by lenders, focusing strictly on the repayment of principal debt that reduces the outstanding mortgage stock.
Interpreting these repayment flows involves understanding their sensitivity to prevailing interest rates and housing market liquidity, as higher borrowing costs often spur larger voluntary repayments. Seasonal variations occur as property completions cluster around specific times of the year, altering redemption volumes. Analysts pair this series with gross lending figures to explain how total net secured lending balances evolve from month to month.
Frequently asked questions
- What financial transactions are captured in mortgage repayments?
- The data measure principal debt reductions made by borrowers, including scheduled amortisation, lump sums, and full redemptions upon property sales.
- Do these figures include interest payments made to lenders?
- No, interest charges are excluded; this series strictly tallies the repayment of the underlying principal borrowed.
- How do interest rate changes influence repayment flows?
- Rising interest rates can prompt borrowers to make larger capital repayments or accelerate redemptions upon remortgaging, increasing total monthly outflows.