Net Lending to Individuals measures the total change in the value of loans granted to households in the United Kingdom, encompassing both mortgage lending and consumer credit. It is a vital indicator of consumer confidence and the health of the banking sector's credit transmission. Rising net lending typically signals increased consumer spending and a robust housing market, which are key drivers of economic growth.
Calculated by the Bank of England as the gross amount of new loans issued to individuals during the month minus the total amount of repayments made on existing loans.
| Date | Actual | Forecast | Surprise |
|---|---|---|---|
| Sep 1, 2026 | 6.30 | 9.20 | -2.90 |
| Jul 29, 2026 | 9.50 | 5.50 | +4.00 |
| Jun 29, 2026 | 5.00 | 6.00 | -1.00 |
| Jun 2, 2026 | 6.20 | 7.10 | -0.90 |
| May 1, 2026 | 8.70 | 5.90 | +2.80 |
| Mar 30, 2026 | 7.20 | 5.60 | +1.60 |
| Mar 2, 2026 | 5.90 | 6.20 | -0.30 |
| Jan 30, 2026 | 6.10 | 6.10 | 0.00 |
| Jan 5, 2026 | 6.60 | 5.20 | +1.40 |
| Dec 1, 2025 | 5.40 | 6.40 | -1.00 |
| Oct 29, 2025 | 7.00 | 5.60 | +1.40 |
| Sep 29, 2025 | 6.00 | 6.30 | -0.30 |
| Sep 1, 2025 | 6.14 | 4.90 | +1.24 |
| Jul 29, 2025 | 6.76 | 3.70 | +3.06 |
| Jun 30, 2025 | 2.90 | 4.10 | -1.20 |
| Jun 2, 2025 | 0.82 | 2.80 | -1.98 |
| May 1, 2025 | 13.80 | 4.40 | +9.40 |
| Mar 31, 2025 | 4.60 | 4.90 | -0.30 |
| Mar 3, 2025 | 5.95 | 4.70 | +1.25 |
| Jan 30, 2025 | 4.60 | 3.60 | +1.00 |
| Jan 3, 2025 | 3.40 | 4.40 | -1.00 |
| Oct 29, 2024 | 3.80 | 4.10 | -0.30 |
| Aug 30, 2024 | 4.00 | 3.40 | +0.60 |
| Date | First print | Current | Revision |
|---|---|---|---|
| Jun 29, 2026 | 4.60 | 5 | +0.40 ↑ |
| May 1, 2026 | 8 | 8.70 | +0.70 ↑ |
| Mar 30, 2026 | 6.80 | 7.20 | +0.40 ↑ |
