Regional Summary
April 2025 - debentures across 12 regions
Debentures by region and lender category
| Region | High St | Challengers | Other banks | Property | ABL/IF | Total |
|---|---|---|---|---|---|---|
| London | 360 | 161 | 309 | 1,538 | 64 | 2,872 |
| South East | 490 | 213 | 188 | 1,347 | 132 | 2,619 |
| North West | 276 | 169 | 93 | 708 | 49 | 1,490 |
| Midlands | 245 | 138 | 74 | 575 | 56 | 1,215 |
| Yorkshire / Humber | 190 | 101 | 79 | 386 | 37 | 924 |
| Scotland | 185 | 83 | 54 | 276 | 24 | 696 |
| South West | 203 | 75 | 54 | 323 | 32 | 811 |
| East of England | 121 | 60 | 30 | 329 | 39 | 643 |
| East Midlands | 89 | 61 | 24 | 237 | 11 | 478 |
| Wales | 97 | 35 | 29 | 162 | 13 | 414 |
| North East | 63 | 51 | 30 | 164 | 12 | 342 |
| Northern Ireland | 44 | - | 70 | 26 | - | 151 |
Regional Detail
Top lenders and sectors by region
London
1stTop Lenders
- The Mortgage Works (161)
- Together Commercial Finance (121)
- Barclays Bank (117)
- HSBC (106)
- Onesavings Bank (93)
- Lendinvest (92)
- Natwest (81)
Top Sectors
- Real estate (1828)
- Financial services (220)
- Building construction (104)
- Office & business support (77)
- Unknown (71)
- Head offices & consultancy (54)
- Retail trade (46)
South East
2ndTop Lenders
- The Mortgage Works (238)
- Barclays Bank (160)
- Lloyds Bank (125)
- Aldermore Bank (119)
- HSBC (117)
- Together Commercial Finance (111)
- Kensington Mortgage Company (107)
Top Sectors
- Real estate (1539)
- Building construction (138)
- Financial services (119)
- Retail trade (69)
- Food & beverage services (60)
- Human health (56)
- Specialist construction (53)
North West
3rdTop Lenders
- The Mortgage Works (113)
- Together Commercial Finance (111)
- Natwest (99)
- Aldermore Bank (96)
- Lloyds Bank (61)
- Barclays Bank (60)
- HSBC (56)
Top Sectors
- Real estate (904)
- Financial services (90)
- Building construction (82)
- Retail trade (35)
- Human health (30)
- Office & business support (23)
- Wholesale trade (20)
Midlands
4thTop Lenders
- The Mortgage Works (113)
- Barclays Bank (86)
- Together Commercial Finance (69)
- Aldermore Bank (67)
- Natwest (56)
- Lloyds Bank (52)
- HSBC (51)
Top Sectors
- Real estate (711)
- Financial services (65)
- Building construction (39)
- Retail trade (27)
- Head offices & consultancy (27)
- Human health (25)
- Office & business support (21)
Top Lenders
- The Mortgage Works (91)
- Barclays Bank (66)
- Aldermore Bank (53)
- HSBC (46)
- Together Commercial Finance (44)
- Lloyds Bank (42)
- Natwest (36)
Top Sectors
- Real estate (475)
- Building construction (53)
- Financial services (49)
- Specialist construction (28)
- Residential care (22)
- Retail trade (20)
- Head offices & consultancy (20)
South West
6thTop Lenders
- Natwest (59)
- The Mortgage Works (56)
- Barclays Bank (54)
- Lloyds Bank (51)
- HSBC (39)
- Paragon Bank (35)
- Aldermore Bank (34)
Top Sectors
- Real estate (391)
- Financial services (51)
- Building construction (41)
- Human health (27)
- Retail trade (18)
- Accommodation (18)
- Residential care (17)
Scotland
7thTop Lenders
- The Mortgage Works (91)
- Natwest (62)
- Together Commercial Finance (56)
- Aldermore Bank (51)
- Barclays Bank (50)
- HSBC (37)
- Lloyds Bank (36)
Top Sectors
- Real estate (372)
- Retail trade (24)
- Financial services (24)
- Building construction (22)
- Accommodation (20)
- Office & business support (20)
- Residential care (17)
East of England
8thTop Lenders
- The Mortgage Works (72)
- Aldermore Bank (40)
- Barclays Bank (33)
- Natwest (32)
- Lloyds Bank (29)
- HSBC (27)
- Kensington Mortgage Company (25)
Top Sectors
- Real estate (369)
- Building construction (46)
- Financial services (33)
- Retail trade (14)
- Wholesale trade (14)
- Agriculture (13)
- Land transport & logistics (13)
East Midlands
9thTop Lenders
- The Mortgage Works (62)
- Barclays Bank (36)
- Aldermore Bank (30)
- JP Morgan (27)
- Lloyds Bank (26)
- Together Commercial Finance (25)
- Kensington Mortgage Company (18)
Top Sectors
- Real estate (301)
- Building construction (26)
- Financial services (22)
- Wholesale & retail trade (20)
- Unknown (13)
- Retail trade (10)
- Head offices & consultancy (8)
Wales
10thTop Lenders
- The Mortgage Works (42)
- Barclays Bank (41)
- Development Bank of Wales (24)
- Lloyds Bank (22)
- Natwest (20)
- Aldermore Bank (17)
- Together Commercial Finance (16)
Top Sectors
- Real estate (199)
- Financial services (26)
- Retail trade (22)
- Accommodation (14)
- Building construction (13)
- Specialist construction (12)
- Land transport & logistics (11)
North East
11thTop Lenders
- Aldermore Bank (36)
- Together Commercial Finance (33)
- The Mortgage Works (31)
- Paragon Bank (19)
- Barclays Bank (18)
- Lloyds Bank (18)
- Natwest (14)
Top Sectors
- Real estate (224)
- Financial services (22)
- Building construction (16)
- Retail trade (8)
- Specialist construction (7)
- Accommodation (6)
- Agriculture (4)
Northern Ireland
12thTop Lenders
- Danske Bank (32)
- Bank of Ireland (28)
- Natwest (21)
- Kensington Mortgage Company (15)
- Barclays Bank (13)
- HSBC (9)
- Allied Irish Bank (7)
Top Sectors
- Real estate (41)
- Building construction (14)
- Financial services (13)
- Agriculture (10)
- Retail trade (9)
- Waste management (7)
- Wholesale trade (6)