Regional Summary
November 2025 - debentures across 12 regions
Debentures by region and lender category
| Region | High St | Challengers | Other banks | Property | ABL/IF | Total |
|---|---|---|---|---|---|---|
| London | 400 | 155 | 305 | 1,640 | 83 | 3,055 |
| South East | 558 | 190 | 115 | 1,535 | 157 | 2,821 |
| North West | 269 | 138 | 69 | 821 | 72 | 1,601 |
| Midlands | 201 | 90 | 55 | 677 | 48 | 1,211 |
| Yorkshire / Humber | 173 | 76 | 57 | 450 | 50 | 956 |
| Scotland | 140 | 74 | 33 | 365 | 23 | 695 |
| South West | 175 | 61 | 56 | 344 | 33 | 751 |
| East of England | 157 | 43 | 33 | 377 | 19 | 692 |
| East Midlands | 66 | 30 | 14 | 262 | 14 | 412 |
| Wales | 96 | 31 | 14 | 220 | 17 | 426 |
| North East | 46 | 46 | 18 | 179 | 15 | 322 |
| Northern Ireland | 24 | 2 | 59 | 35 | 5 | 136 |
Regional Detail
Top lenders and sectors by region
London
1stTop Lenders
- The Mortgage Works (168)
- Barclays Bank (130)
- HSBC (112)
- Lendinvest (106)
- Lendinvest (106)
- Lloyds Bank (100)
- Onesavings Bank (97)
Top Sectors
- Real estate (1926)
- Financial services (223)
- Building construction (117)
- Unknown (92)
- Unknown (92)
- Office & business support (62)
- IT programming / consulting (58)
South East
2ndTop Lenders
- The Mortgage Works (263)
- Lloyds Bank (206)
- Barclays Bank (134)
- Kensington Mortgage Company (133)
- HSBC (123)
- Together Commercial Finance (107)
- Paragon Bank (97)
Top Sectors
- Real estate (1784)
- Financial services (137)
- Building construction (128)
- Retail trade (54)
- Unknown (47)
- Office & business support (46)
- Wholesale trade (45)
North West
3rdTop Lenders
- The Mortgage Works (139)
- Together Commercial Finance (131)
- Lloyds Bank (99)
- Aldermore Bank (72)
- Barclays Bank (61)
- HSBC (60)
- Kensington Mortgage Company (57)
Top Sectors
- Real estate (1004)
- Financial services (95)
- Building construction (56)
- Wholesale trade (35)
- Head offices & consultancy (30)
- Human health (28)
- Specialist construction (25)
Midlands
4thTop Lenders
- The Mortgage Works (143)
- Together Commercial Finance (91)
- HSBC (62)
- Lloyds Bank (61)
- Kensington Mortgage Company (58)
- Godiva Mortgages (47)
- Aldermore Bank (41)
Top Sectors
- Real estate (801)
- Financial services (51)
- Building construction (46)
- Residential care (28)
- Retail trade (21)
- Wholesale trade (20)
- Specialist construction (18)
Top Lenders
- The Mortgage Works (89)
- Lloyds Bank (50)
- Barclays Bank (49)
- Together Commercial Finance (47)
- Aldermore Bank (43)
- Natwest (37)
- HSBC (37)
Top Sectors
- Real estate (538)
- Financial services (70)
- Building construction (45)
- Human health (22)
- Wholesale trade (20)
- Retail trade (18)
- Specialist construction (17)
South West
6thTop Lenders
- Lloyds Bank (67)
- The Mortgage Works (52)
- Natwest (40)
- Paragon Bank (37)
- Barclays Bank (36)
- HSBC (32)
- Kensington Mortgage Company (27)
Top Sectors
- Real estate (405)
- Building construction (41)
- Financial services (39)
- Food & beverage services (20)
- Specialist construction (17)
- Retail trade (17)
- Education (16)
Scotland
7thTop Lenders
- The Mortgage Works (114)
- Together Commercial Finance (74)
- Lloyds Bank (49)
- Paratus Amc (44)
- Lendinvest (43)
- Natwest (42)
- Aldermore Bank (41)
Top Sectors
- Real estate (438)
- Building construction (29)
- Accommodation (20)
- Retail trade (17)
- Office & business support (14)
- Financial services (14)
- Human health (13)
East of England
8thTop Lenders
- Barclays Bank (60)
- The Mortgage Works (59)
- Lloyds Bank (40)
- Together Commercial Finance (37)
- HSBC (32)
- Kensington Mortgage Company (32)
- Natwest (25)
Top Sectors
- Real estate (415)
- Building construction (38)
- Financial services (31)
- Retail trade (18)
- Agriculture (14)
- Wholesale trade (13)
- Human health (12)
Wales
9thTop Lenders
- The Mortgage Works (47)
- Barclays Bank (38)
- HSBC (30)
- Kensington Mortgage Company (18)
- Paragon Bank (16)
- Together Commercial Finance (16)
- Godiva Mortgages (15)
Top Sectors
- Real estate (245)
- Financial services (24)
- Retail trade (19)
- Building construction (17)
- Accommodation (12)
- Specialist construction (12)
- Residential care (10)
East Midlands
10thTop Lenders
- The Mortgage Works (58)
- Paragon Bank (21)
- Lloyds Bank (20)
- Kensington Mortgage Company (19)
- Natwest (17)
- Together Commercial Finance (16)
- Barclays Bank (16)
Top Sectors
- Real estate (292)
- Financial services (19)
- Building construction (17)
- Specialist construction (9)
- Retail trade (6)
- Head offices & consultancy (5)
- Accommodation (5)
North East
11thTop Lenders
- Aldermore Bank (35)
- The Mortgage Works (35)
- Together Commercial Finance (33)
- Lloyds Bank (18)
- Barclays Bank (16)
- Paragon Bank (14)
- Kensington Mortgage Company (12)
Top Sectors
Northern Ireland
12thTop Lenders
- Danske Bank (32)
- Kensington Mortgage Company (28)
- Bank of Ireland (22)
- HSBC (13)
- Natwest (9)
- Allied Irish Bank (3)
- Funding365 (3)
Top Sectors
- Real estate (50)
- Retail trade (9)
- Residential care (8)
- Agriculture (8)
- Building construction (6)
- Wholesale trade (5)
- Specialist construction (4)