Lloyds Banking Group, Nationwide BS, and NatWest were the mortgage lenders with the highest value of mortgages outstanding in 2023. Lloyds Banking Group had roughly 100 billion British pounds more than Nationwide BS outstanding in mortgage lending. That year, the UK had *** banks which had exceeded *********** billion British pounds each outstanding in mortgage loans.

In 2023, the buy-to-let gross lending amounted to approximately ** billion British pounds, with the ** largest lenders accounting for about **** billion British pounds. Nationwide BS topped the list for mortgage lending in the UK with approximately **** billion British pounds. Lloyds Banking Group and NatWest Group finished the top three mortgage lenders with ***** billion and *** billion British pounds in gross lending respectively.

Graph and download economic data for Corporate Borrowing Spread on Loans from Banks in the United Kingdom (CBSLUKQ) from Q1 1978 to Q4 2016 about borrowings, academic data, spread, United Kingdom, corporate, loans, banks, and depository institutions.

In 2022, the majority of mortgage holders in the UK had a fixed rate repayment schedule. The share of respondents who had a fixed-rate repayment schedule was ** percent, followed by ** percent on a repayment schedule with a variable rate. Interest only mortgages were the case for ** percent of respondents, with an even split between a variable and fixed rate.

United Kingdom Credit Cond: SL: L3: HH: CA: Borrowers: Loan to Value Ratio: Low data was reported at 0.000 % Point in Sep 2018. This records a decrease from the previous number of 10.700 % Point for Jun 2018. United Kingdom Credit Cond: SL: L3: HH: CA: Borrowers: Loan to Value Ratio: Low data is updated quarterly, averaging 2.900 % Point from Sep 2008 (Median) to Sep 2018, with 41 observations. The data reached an all-time high of 20.400 % Point in Dec 2012 and a record low of -11.100 % Point in Sep 2014. United Kingdom Credit Cond: SL: L3: HH: CA: Borrowers: Loan to Value Ratio: Low data remains active status in CEIC and is reported by Bank of England. The data is categorized under Global Database’s United Kingdom – Table UK.KB016: Credit Conditions Survey: Secured Lending: Last 3 Months.

The non-depository financing industry's revenue has contracted at a projected compound annual rate of 2.1% over the five years through 2024-25. The COVID-19 outbreak caused a large drop in borrowing in 2020-21 as consumers faced a lack of spending opportunities, outweighing the gains from businesses taking out additional loans to stay afloat. The industry has also faced stronger regulatory oversight to combat the proliferation of overly risky and expensive loans. The cost-of-living crisis has caused consumer lending to swell as households rely on short-term borrowing to make up for weakened savings and costs outpacing wages. Soaring interest rates have caused the cost of mortgages to skyrocket, damaging revenue as buyers pull back and lenders are more cautious. The Non-Depository Financing industry's revenue is estimated to climb by 1.7% in 2024-25 – and is expected to total £6.7 billion. This comes from the much-anticipated sliding down of interest rates that will aid the mortgage market and big returns from newer sectors like OpenAI and sustainable technologies. Industry revenue is expected to swell at a compound annual rate of 2.4% to £7.6 billion over the five years through 2029-30. The need for credit is set to be supported by the previous erosion of savings from spiked inflation, leading to more loans needed for sizeable investments as confidence rebounds. Non-depositary financing companies will continue facing stiff competition from other types of lenders, like peer-to-peer lenders. The regulation constricting payday loans will continue to push services towards a lower margin and higher volume approach, aiding those with lower credit scores but dented industry profit. The high cost of mortgages and economic headwinds will settle and start to rebuild the housing market, supporting revenue.

United Kingdom Credit Cond: SL: N3: HH: CA: Borrowers: Loan to Value Ratio: High data was reported at 3.600 % Point in Sep 2018. This records an increase from the previous number of 2.300 % Point for Jun 2018. United Kingdom Credit Cond: SL: N3: HH: CA: Borrowers: Loan to Value Ratio: High data is updated quarterly, averaging 5.700 % Point from Sep 2008 (Median) to Sep 2018, with 41 observations. The data reached an all-time high of 33.600 % Point in Dec 2012 and a record low of -38.500 % Point in Sep 2008. United Kingdom Credit Cond: SL: N3: HH: CA: Borrowers: Loan to Value Ratio: High data remains active status in CEIC and is reported by Bank of England. The data is categorized under Global Database’s United Kingdom – Table UK.KB017: Credit Conditions Survey: Secured Lending: Next 3 Months.

The United Kingdom recorded a government budget deficit of 20684 GBP Million in June of 2025. This dataset provides - United Kingdom Government Budget Value - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The UK equity lending market, characterized by a diverse range of products including fixed-rate loans and home equity lines of credit (HELOCs), offered through banks, building societies, online lenders, and credit unions, is experiencing steady growth. The market's 5.00% CAGR from 2019 to 2024 suggests a robust and expanding sector. Drivers for this growth include increasing homeownership rates, rising property values, and a growing awareness of equity release products among homeowners seeking to unlock their housing wealth for various purposes such as home improvements, debt consolidation, or funding retirement. However, the market faces certain restraints, including stringent lending regulations aimed at protecting borrowers, economic uncertainty potentially impacting borrowing appetites, and competition from alternative financial products. The segment breakdown indicates a significant portion of the market is held by traditional institutions like banks and building societies, although the emergence of online lenders is progressively increasing the competition and driving market innovation. The preference for online or offline modes of accessing these loans is likely dependent on factors such as demographic trends, technological comfort, and the specific offerings of individual lenders. Given the UK's housing market dynamics, further growth is anticipated, fueled by an increasing number of homeowners with substantial equity in their properties. The forecast period (2025-2033) projects continued growth, albeit potentially at a slightly moderated pace compared to the historical period, reflecting potential economic fluctuations. The regional data, while not explicitly quantified for the UK, implies a concentrated market within the UK itself, with smaller contributions from other European regions and minimal impact from regions like North America or Asia-Pacific. While precise market sizing for the UK is unavailable, estimations based on the provided global CAGR and considering the UK's significant housing market and economy suggest a substantial and expanding market opportunity. Key players such as Barclays Bank, Nationwide Building Society, and other established financial institutions will continue to dominate the landscape, while the innovative online lenders represent a growing force. The market's future success hinges on maintaining responsible lending practices, adapting to evolving technological trends, and addressing the evolving needs of homeowners seeking flexible and accessible equity release solutions. Recent developments include: In February 2022, Selina Advance, a London-based fintech business, has raised USD150 million in investment to expand its home equity lending solutions to customers across the UK. The round of fundraising, coordinated by global private equity platform Lightrock, included USD 35 million in equity and USD 115 million in loans from Goldman Sachs and GGC to help the company expand across the UK., On February 2, 2022, Santander announced its decision to stop originating residential mortgages and home equity lines of credit (HELOCs) . Santander will continue to service existing home loans and lines of credit received till February 11, 2022.. Notable trends are: Raising Homeownership Rate is Driving the Home Equity Lending Market.

The UK equity lending market is a rapidly growing industry, with a market size of XX million and a CAGR of 5.00%. The key drivers of this growth are the increasing demand for alternative lending options, the growing popularity of online lending, and the favorable regulatory environment. The main trends in the market include the increasing adoption of fixed rate loans and home equity lines of credit, the growing market share of online lenders, and the increasing availability of credit to underserved borrowers. The key restraints in the market include the strict credit criteria of traditional lenders, the high cost of borrowing, and the potential for fraud and abuse. The UK equity lending market is highly fragmented, with a large number of small and medium-sized lenders. The major players in the market include Barclays Bank, Bank of England, Selina Advance, Aviva UK, Nationwide Building Society, Coventry Building Society, Royal Bank of Scotland, Legal and General, LV Friendly Society, and Onefamily. These lenders offer a variety of products and services, including fixed rate loans, home equity lines of credit, and unsecured loans. The market is also characterized by a high degree of competition, with lenders offering a variety of incentives to attract customers. Recent developments include: In February 2022, Selina Advance, a London-based fintech business, has raised USD150 million in investment to expand its home equity lending solutions to customers across the UK. The round of fundraising, coordinated by global private equity platform Lightrock, included USD 35 million in equity and USD 115 million in loans from Goldman Sachs and GGC to help the company expand across the UK., On February 2, 2022, Santander announced its decision to stop originating residential mortgages and home equity lines of credit (HELOCs) . Santander will continue to service existing home loans and lines of credit received till February 11, 2022.. Notable trends are: Raising Homeownership Rate is Driving the Home Equity Lending Market.

Bank Lending Rate in the United Kingdom remained unchanged at 8.58 percent in May. This dataset provides - United Kingdom Prime Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

The government of the United Kingdom borrowed approximately 151.9 billion British pounds in the 2024/25 financial year. In 2020/21, government borrowing was over 314.6 billion pounds, due to increased financial support to public services during the COVID-19 pandemic, combined with reduced revenue due to the lockdowns.

The UK student loan market, a significant segment of the global student loan landscape, is experiencing robust growth fueled by increasing higher education enrollment and evolving government policies. While precise market figures for the UK specifically are unavailable from the provided data, we can infer substantial size based on the global CAGR of 7% and the presence of major UK lenders like HSBC and others listed. The market is segmented by loan type (federal/government, private), repayment plan (standard, graduated, income-based, etc.), age group (under 24, 25-34, over 35), and end-user (graduate, high school, other). Government loan programs, due to their accessibility and affordability, likely dominate the market share. However, the private student loan segment is also witnessing growth, driven by demand for specialized financing and potentially higher borrowing limits than government schemes. Trends like rising tuition fees and the increasing awareness of income-driven repayment plans contribute to market expansion. Conversely, constraints include potential economic downturns that could impact borrower repayment ability and government policy shifts affecting loan availability or terms. The market's future growth will depend on factors such as government funding levels for higher education, economic conditions, and the continued popularity of higher education among young people. Further analysis suggests that the market's regional concentration is largely within the UK, though international students studying in the UK contribute to the overall value. Competition among lenders is intense, encompassing both large established banks and specialized student loan providers. The competitive landscape necessitates innovative product offerings, competitive interest rates, and flexible repayment options to attract and retain borrowers. The sustained growth trajectory indicates a promising outlook for the UK student loan market, with opportunities for further expansion driven by ongoing trends in education and economic factors. Data points to considerable growth potential across all segments. However, careful monitoring of economic indicators and regulatory changes will be crucial for stakeholders to effectively navigate the market's future landscape. Recent developments include: July 2023: Prodigy Finance, a socially responsible FinTech leader in international student loan lending, announced a groundbreaking USD 350 million facility in partnership with Citi, Schroders Capital, and SCIO Capital. This marks the inaugural transaction under Prodigy's innovative multi-issuance special-purpose vehicle structure. The collaborative effort between Prodigy Finance and its funding partners reflects a substantial commitment to providing accessible financial support to ambitious master's students worldwide. To date, Prodigy has disbursed over USD 1.8 billion in postgraduate education loans, supporting more than 35,000 high-potential students from across 100 different countries., March 2023: Following extensive overnight negotiations, HSBC came to the rescue of Silicon Valley Bank's UK branch. HSBC UK has acquired SVB UK for a nominal sum of GBP 1 (USD 1.21) in a transaction that excludes the assets and liabilities of SVB UK's parent company.. Key drivers for this market are: Increasing Demand for Higher Education is Driving the Market, Government Support is Driving the Market. Potential restraints include: Increasing Demand for Higher Education is Driving the Market, Government Support is Driving the Market. Notable trends are: High Tuition Fees is Driving the Market.

Home Loans in the United Kingdom increased to 5340 GBP Million in June from 2213 GBP Million in May of 2025. This dataset provides - United Kingdom Mortgage Lending- actual values, historical data, forecast, chart, statistics, economic calendar and news.

Comprehensive dataset of 1,885 Mortgage lenders in United Kingdom as of July, 2025. Includes verified contact information (email, phone), geocoded addresses, customer ratings, reviews, business categories, and operational details. Perfect for market research, lead generation, competitive analysis, and business intelligence. Download a complimentary sample to evaluate data quality and completeness.

UK Home Equity Lending Market size was valued at USD 10.2 Billion in 2024 and is projected to reach USD 18.7 Billion by 2032, growing at a CAGR of 7.9% during the forecasted period 2026 to 2032.

​The UK home equity lending market is experiencing notable growth, driven by several key factors. An aging population with insufficient retirement savings has led to increased demand for equity release products, allowing homeowners to access the value tied up in their properties. Additionally, rising property values have enhanced homeowners' equity, making such financial products more accessible and appealing. The integration of financial technology (fintech) has further streamlined the borrowing process, offering digital innovations that enhance customer experiences and operational efficiency. Moreover, financial institutions are adapting to evolving regulatory guidance by adjusting lending criteria to support homeownership goals, as evidenced by Santander's recent changes to mortgage affordability assessments. Collectively, these factors contribute to the dynamic expansion of the UK's home equity lending market.

Net lending (+) / net borrowing (-) (% of GDP) in United Kingdom was reported at --6.859 % in 2023, according to the World Bank collection of development indicators, compiled from officially recognized sources. United Kingdom - Net lending (+) / net borrowing (-) (% of GDP) - actual values, historical data, forecasts and projections were sourced from the World Bank on July of 2025.

United Kingdom Credit Cond: SL: N3: HH: CA: Borrowers: Loan to Value Ratio: Low data was reported at 11.900 % Point in Sep 2018. This records an increase from the previous number of 1.900 % Point for Jun 2018. United Kingdom Credit Cond: SL: N3: HH: CA: Borrowers: Loan to Value Ratio: Low data is updated quarterly, averaging 3.400 % Point from Sep 2008 (Median) to Sep 2018, with 41 observations. The data reached an all-time high of 33.600 % Point in Dec 2012 and a record low of -8.100 % Point in Sep 2013. United Kingdom Credit Cond: SL: N3: HH: CA: Borrowers: Loan to Value Ratio: Low data remains active status in CEIC and is reported by Bank of England. The data is categorized under Global Database’s United Kingdom – Table UK.KB017: Credit Conditions Survey: Secured Lending: Next 3 Months.