Net secured lending to individuals (monthly change), United Kingdom
Net secured lending to individuals (monthly change) was £4.4 bn in August 2026, up 8.0% from July 2026 and down 5.7% from a year earlier. The figure is published by Bank of England in Bank of England Database LPMVTVJ. The series starts in January 2006 and has 248 observations. Source: Bank of England.
- On the previous reading (July 2026): up 8.0%, to £4.4 bn
- On a year earlier (August 2025): down 5.7%
- Against the five-year average of £3.3 bn: above
Sparklines: the last ten years; the amber dot marks the reading in the tile. Source: Bank of England. Contains public sector information licensed under the Open Government Licence v3.0. EconoMonitor is not affiliated with or endorsed by the Bank of England.
Overview
Over the last five years the series ranged from -£1.4 bn (April 2023) to £13.0 bn (March 2025). Since January 2006 the full range is -£1.8 bn (July 2021) to £17.1 bn (June 2021).
Key facts
| Reading | Period | Value |
|---|---|---|
| Latest | August 2026 | £4.4 bn |
| Previous | July 2026 | £4.1 bn |
| A year earlier | August 2025 | £4.7 bn |
| Five-year high | March 2025 | £13.0 bn |
| Five-year low | April 2023 | -£1.4 bn |
| First observation | January 2006 | £8.2 bn |
Unit: GBP. Source: Bank of England. Contains public sector information licensed under the Open Government Licence v3.0. EconoMonitor is not affiliated with or endorsed by the Bank of England.
How has it moved since January 2006?
Full history
- Net secured lending to individuals (monthly change) £4.4bn
Last five years
- Net secured lending to individuals (monthly change) £4.4bn
Latest readings
| Period | Value | Change from previous |
|---|---|---|
| August 2025 | £4.7 bn | +7.0% |
| September 2025 | £5.4 bn | +15.7% |
| October 2025 | £4.5 bn | -16.4% |
| November 2025 | £4.9 bn | +7.4% |
| December 2025 | £4.9 bn | -0.2% |
| January 2026 | £4.5 bn | -6.8% |
| February 2026 | £5.2 bn | +14.5% |
| March 2026 | £6.7 bn | +28.9% |
| April 2026 | £4.4 bn | -34.3% |
| May 2026 | £3.1 bn | -28.7% |
| June 2026 | £7.6 bn | +142.9% |
| July 2026 | £4.1 bn | -46.3% |
| August 2026 | £4.4 bn | +8.0% |
How does the latest reading compare?
The latest reading of £4.4 bn in August 2026 is above its five-year average of £3.3 bn and above its ten-year average of £3.8 bn. It is higher than 74% of all 248 readings since January 2006. The rise in August 2026 ended a run in the other direction or a flat reading. Over the last 12 readings, from September 2025 to August 2026, it averaged £5.0 bn, with a high of £7.6 bn in June 2026 and a low of £3.1 bn in May 2026. In the last ten years the largest rise from one reading to the next was in June 2021, to £17.1 bn from £4.5 bn in May 2021, and the largest fall was in July 2021, to -£1.8 bn from £17.1 bn in June 2021.
Among the last 9 complete years, the average was highest in 2021, at £6.0 bn, and lowest in 2023, at £215.1 mn.
Year by year
| Year | Average | Low | High | Last reading | Readings |
|---|---|---|---|---|---|
| 2026 | £5.0 bn | £3.1 bn | £7.6 bn | £4.4 bn August 2026 | 8 |
| 2025 | £4.7 bn | -£1.3 bn | £13.0 bn | £4.9 bn December 2025 | 12 |
| 2024 | £2.1 bn | -£432.0 mn | £3.9 bn | £3.7 bn December 2024 | 12 |
| 2023 | £215.1 mn | -£1.4 bn | £2.4 bn | -£328.0 mn December 2023 | 12 |
| 2022 | £4.8 bn | £2.2 bn | £7.2 bn | £2.2 bn December 2022 | 12 |
| 2021 | £6.0 bn | -£1.8 bn | £17.1 bn | £4.2 bn December 2021 | 12 |
| 2020 | £3.8 bn | £73.0 mn | £7.0 bn | £6.6 bn December 2020 | 12 |
| 2019 | £4.1 bn | £3.1 bn | £5.0 bn | £4.7 bn December 2019 | 12 |
| 2018 | £3.7 bn | £3.3 bn | £4.0 bn | £3.7 bn December 2018 | 12 |
| 2017 | £3.8 bn | £3.2 bn | £4.2 bn | £3.8 bn December 2017 | 12 |
Averages, lows and highs are calculated by EconoMonitor from the published readings. Source: Bank of England. Contains public sector information licensed under the Open Government Licence v3.0. EconoMonitor is not affiliated with or endorsed by the Bank of England.
How is it measured?
Monthly change in total sterling net secured lending to individuals.
Net secured lending to individuals (monthly change) is published monthly by Bank of England in its Bank of England Database LPMVTVJ release. It is measured in GBP and is seasonally adjusted. EconoMonitor holds all 248 readings since January 2006 under the publisher's code LPMVTVJ, keeps earlier values when the publisher revises them, and compares each release with the downloaded file before it is shown.
- Frequency: monthly; seasonal adjustment: SA.
- Unit: GBP.
- Release: Bank of England Database LPMVTVJ, published by Bank of England.
- Source series code: LPMVTVJ.
- Methodology: how EconoMonitor stores and checks this series.
Questions and sources
What is the latest reading of Net secured lending to individuals (monthly change)?
£4.4 bn in August 2026, as published by Bank of England.
How often is it updated?
Monthly, with each Bank of England Database LPMVTVJ release. EconoMonitor reloads the series after each release and keeps earlier values when the publisher revises them.
Where can I check it?
At the publisher: Bank of England Database, series code LPMVTVJ.
Source: Bank of England. Contains public sector information licensed under the Open Government Licence v3.0. EconoMonitor is not affiliated with or endorsed by the Bank of England. Checks for this release: Check A passed, Check B passed.
Data and analysis only, not financial advice. Data publishers do not endorse EconoMonitor. See the disclaimer and methodology.