Regional Summary
February 2026 - debentures across 12 regions
Debentures by region and lender category
| Region | High St | Challengers | Other banks | Property | ABL/IF | Total |
|---|---|---|---|---|---|---|
| London | 423 | 156 | 296 | 1,691 | 62 | 2,966 |
| South East | 448 | 212 | 117 | 1,481 | 114 | 2,617 |
| North West | 244 | 133 | 80 | 898 | 50 | 1,553 |
| Midlands | 238 | 115 | 34 | 618 | 48 | 1,152 |
| Yorkshire / Humber | 168 | 77 | 56 | 409 | 32 | 813 |
| Scotland | 128 | 101 | 24 | 381 | 16 | 710 |
| South West | 196 | 54 | 36 | 357 | 34 | 770 |
| East of England | 147 | 56 | 27 | 380 | 39 | 717 |
| East Midlands | 121 | 35 | 23 | 231 | 15 | 462 |
| Wales | 87 | 45 | 15 | 211 | 12 | 418 |
| North East | 57 | 45 | 9 | 201 | 10 | 351 |
| Northern Ireland | 41 | 1 | 35 | 33 | 4 | 124 |
Regional Detail
Top lenders and sectors by region
London
1stTop Lenders
- The Mortgage Works (179)
- Lendinvest (150)
- Onesavings Bank (138)
- HSBC (127)
- HSBC (127)
- Lloyds Bank (112)
- Together Commercial Finance (112)
Top Sectors
- Real estate (2047)
- Financial services (181)
- Building construction (98)
- Office & business support (82)
- Office & business support (82)
- Head offices & consultancy (47)
- Food & beverage services (43)
South East
2ndTop Lenders
- The Mortgage Works (259)
- Lloyds Bank (144)
- Aldermore Bank (121)
- Kensington Mortgage Company (110)
- HSBC (107)
- Natwest (103)
- Together Commercial Finance (103)
Top Sectors
- Real estate (1738)
- Building construction (127)
- Financial services (92)
- Retail trade (60)
- Wholesale trade (53)
- Specialist construction (50)
- Office & business support (38)
North West
3rdTop Lenders
- The Mortgage Works (140)
- Together Commercial Finance (125)
- Aldermore Bank (88)
- Barclays Bank (72)
- Lloyds Bank (70)
- Natwest (58)
- Paragon Bank (56)
Top Sectors
- Real estate (1055)
- Financial services (68)
- Building construction (66)
- Retail trade (35)
- Specialist construction (33)
- Unknown (28)
- Human health (28)
Midlands
4thTop Lenders
- The Mortgage Works (106)
- Together Commercial Finance (80)
- Barclays Bank (63)
- Natwest (62)
- Lloyds Bank (62)
- Aldermore Bank (60)
- Paragon Bank (54)
Top Sectors
- Real estate (764)
- Financial services (55)
- Building construction (53)
- Retail trade (38)
- Specialist construction (18)
- Wholesale trade (17)
- Accommodation (15)
Top Lenders
- The Mortgage Works (77)
- Barclays Bank (60)
- Aldermore Bank (60)
- Together Commercial Finance (49)
- Lloyds Bank (44)
- Natwest (41)
- Paragon Bank (38)
Top Sectors
- Real estate (514)
- Financial services (42)
- Building construction (41)
- Wholesale trade (18)
- Specialist construction (14)
- Retail trade (13)
- Food & beverage services (12)
South West
6thTop Lenders
- The Mortgage Works (60)
- Lloyds Bank (59)
- HSBC (56)
- Barclays Bank (51)
- Aldermore Bank (31)
- Paragon Bank (30)
- Natwest (30)
Top Sectors
- Real estate (421)
- Building construction (41)
- Financial services (38)
- Wholesale trade (28)
- Retail trade (20)
- Specialist construction (16)
- Food & beverage services (15)
East of England
7thTop Lenders
- The Mortgage Works (85)
- Lloyds Bank (51)
- Barclays Bank (39)
- Aldermore Bank (39)
- Kensington Mortgage Company (36)
- Fleet Mortgages (34)
- HSBC (34)
Top Sectors
- Real estate (443)
- Building construction (36)
- Financial services (32)
- Specialist construction (17)
- Retail trade (16)
- Accommodation (13)
- Employment services (13)
Scotland
8thTop Lenders
- The Mortgage Works (110)
- Together Commercial Finance (103)
- Aldermore Bank (69)
- Paratus Amc (41)
- Lloyds Bank (41)
- Natwest (34)
- Paragon Bank (29)
Top Sectors
- Real estate (498)
- Building construction (29)
- Food & beverage services (17)
- Human health (16)
- Accommodation (13)
- Financial services (10)
- Wholesale trade (10)
East Midlands
9thTop Lenders
- Barclays Bank (55)
- The Mortgage Works (51)
- Lloyds Bank (41)
- Together Commercial Finance (23)
- Godiva Mortgages (20)
- Aldermore Bank (17)
- HSBC (16)
Top Sectors
- Real estate (284)
- Financial services (25)
- Residential care (13)
- Retail trade (13)
- Building construction (12)
- Sports & recreation (12)
- Human health (9)
Wales
10thTop Lenders
- The Mortgage Works (36)
- Barclays Bank (31)
- Aldermore Bank (24)
- Lloyds Bank (22)
- HSBC (20)
- Together Commercial Finance (18)
- Development Bank of Wales (15)
Top Sectors
- Real estate (250)
- Financial services (21)
- Building construction (20)
- Specialist construction (14)
- Accommodation (10)
- Retail trade (9)
- Office & business support (7)
North East
11thTop Lenders
- Aldermore Bank (36)
- The Mortgage Works (30)
- Together Commercial Finance (27)
- Lloyds Bank (25)
- Paragon Bank (21)
- Barclays Bank (16)
- Paratus Amc (16)
Top Sectors
Northern Ireland
12thTop Lenders
- Kensington Mortgage Company (28)
- Natwest (22)
- Danske Bank (20)
- HSBC (12)
- Bank of Ireland (9)
- Barclays Bank (7)
- Close Brothers (3)
Top Sectors
- Real estate (41)
- Building construction (8)
- Retail trade (8)
- Agriculture (8)
- Financial services (7)
- Land transport & logistics (6)
- Wholesale trade (5)