Regional Summary
September 2025 - debentures across 12 regions
Debentures by region and lender category
| Region | High St | Challengers | Other banks | Property | ABL/IF | Total |
|---|---|---|---|---|---|---|
| London | 341 | 191 | 273 | 1,650 | 86 | 2,967 |
| South East | 402 | 201 | 152 | 1,456 | 133 | 2,646 |
| North West | 254 | 167 | 93 | 834 | 50 | 1,587 |
| Midlands | 216 | 131 | 78 | 579 | 78 | 1,220 |
| Yorkshire / Humber | 146 | 76 | 45 | 439 | 54 | 841 |
| Scotland | 157 | 92 | 39 | 444 | 29 | 824 |
| South West | 173 | 44 | 46 | 351 | 34 | 717 |
| East of England | 123 | 56 | 43 | 340 | 40 | 666 |
| East Midlands | 65 | 43 | 21 | 201 | 35 | 423 |
| Wales | 64 | 37 | 11 | 191 | 24 | 387 |
| North East | 61 | 46 | 16 | 180 | 13 | 349 |
| Northern Ireland | 26 | - | 54 | 39 | 9 | 143 |
Regional Detail
Top lenders and sectors by region
London
1stTop Lenders
- The Mortgage Works (168)
- Together Commercial Finance (130)
- Onesavings Bank (124)
- Barclays Bank (101)
- Barclays Bank (101)
- HSBC (96)
- Lloyds Bank (89)
Top Sectors
- Real estate (1927)
- Financial services (221)
- Building construction (136)
- Office & business support (72)
- Office & business support (72)
- Unknown (49)
- Head offices & consultancy (48)
South East
2ndTop Lenders
- The Mortgage Works (250)
- Kensington Mortgage Company (122)
- Paragon Bank (117)
- Barclays Bank (113)
- HSBC (110)
- Together Commercial Finance (108)
- Aldermore Bank (98)
Top Sectors
- Real estate (1647)
- Building construction (143)
- Financial services (110)
- Retail trade (72)
- Head offices & consultancy (68)
- Office & business support (53)
- Specialist construction (44)
North West
3rdTop Lenders
- The Mortgage Works (138)
- Together Commercial Finance (119)
- Aldermore Bank (101)
- HSBC (79)
- Natwest (61)
- Lloyds Bank (61)
- Barclays Bank (53)
Top Sectors
- Real estate (1031)
- Building construction (66)
- Financial services (59)
- Human health (35)
- Unknown (28)
- Retail trade (27)
- Office & business support (27)
Midlands
4thTop Lenders
- The Mortgage Works (118)
- Together Commercial Finance (77)
- HSBC (71)
- Aldermore Bank (57)
- Barclays Bank (55)
- Lloyds Bank (46)
- Natwest (44)
Top Sectors
- Real estate (712)
- Financial services (69)
- Building construction (52)
- Residential care (35)
- Retail trade (27)
- Specialist construction (27)
- Wholesale trade (23)
Top Lenders
- The Mortgage Works (104)
- Together Commercial Finance (52)
- Aldermore Bank (48)
- Barclays Bank (43)
- HSBC (42)
- Paragon Bank (37)
- Natwest (32)
Top Sectors
- Real estate (517)
- Building construction (42)
- Financial services (32)
- Specialist construction (19)
- Office & business support (14)
- Retail trade (13)
- Wholesale trade (12)
Scotland
6thTop Lenders
- The Mortgage Works (135)
- Together Commercial Finance (99)
- Aldermore Bank (58)
- Lendinvest (51)
- Natwest (42)
- Paratus Amc (41)
- Barclays Bank (40)
Top Sectors
- Real estate (543)
- Building construction (29)
- Financial services (23)
- Retail trade (18)
- Specialist construction (17)
- Accommodation (17)
- Office & business support (16)
South West
7thTop Lenders
- Barclays Bank (58)
- The Mortgage Works (55)
- Lloyds Bank (45)
- Natwest (41)
- Paragon Bank (33)
- HSBC (29)
- Together Commercial Finance (28)
Top Sectors
- Real estate (392)
- Building construction (53)
- Financial services (33)
- Food & beverage services (19)
- Agriculture (16)
- Education (15)
- Head offices & consultancy (12)
East of England
8thTop Lenders
- The Mortgage Works (85)
- HSBC (42)
- Lloyds Bank (37)
- Aldermore Bank (36)
- Paragon Bank (31)
- Together Commercial Finance (29)
- Kensington Mortgage Company (27)
Top Sectors
- Real estate (385)
- Building construction (44)
- Financial services (16)
- Agriculture (16)
- Wholesale trade (16)
- Specialist construction (14)
- Retail trade (14)
East Midlands
9thTop Lenders
- The Mortgage Works (42)
- HSBC (24)
- Aldermore Bank (21)
- Together Commercial Finance (20)
- Natwest (17)
- Kensington Mortgage Company (16)
- Shawbrook Bank (13)
Top Sectors
- Real estate (250)
- Financial services (24)
- Building construction (14)
- Land transport & logistics (12)
- Retail trade (11)
- Financial support services (8)
- Office & business support (7)
Wales
10thTop Lenders
- The Mortgage Works (39)
- Kensington Mortgage Company (21)
- Barclays Bank (20)
- Natwest (18)
- Aldermore Bank (18)
- Paragon Bank (17)
- Development Bank of Wales (15)
Top Sectors
- Real estate (227)
- Financial services (16)
- Building construction (12)
- Agriculture (10)
- Retail trade (9)
- Specialist construction (9)
- Manufacturing (metal) (7)
North East
11thTop Lenders
- The Mortgage Works (40)
- Aldermore Bank (25)
- Together Commercial Finance (23)
- Natwest (22)
- Paragon Bank (22)
- Barclays Bank (13)
- HSBC (13)
Top Sectors
- Real estate (223)
- Retail trade (14)
- Financial services (13)
- Residential care (10)
- Building construction (7)
- Rental & leasing (5)
- Human health (5)
Northern Ireland
12thTop Lenders
- Danske Bank (29)
- Kensington Mortgage Company (27)
- Bank of Ireland (15)
- Natwest (13)
- Allied Irish Bank (9)
- HSBC (8)
- Quantum Mortgages (8)
Top Sectors
- Real estate (51)
- Building construction (19)
- Wholesale trade (9)
- Agriculture (6)
- Financial services (6)
- Specialist construction (6)
- Civil engineering (6)