Bank of England: May 2026 Money and Credit Statistics

Note: This section contains information in English only.
Source: Dukascopy Bank SA
The May 2026 statistical release from the Bank of England reveals a cautious shift in UK borrowing behaviors, alongside a strong appetite for savings. High interest rates are visibly cooling the property market, pushing mortgage borrowing to a one-year low. In contrast, household consumer debt remains resilient, and savings deposits have surged particularly within tax-free ISAs.



Individuals and Households

Mortgages: Net borrowing of mortgage debt by individuals dropped to £2.9 billion in May, down from £4.4 billion in April — the lowest level since May 2025. Net mortgage approvals for house purchases also fell to 56,200, dipping below the six-month average of 63,300. Meanwhile, the actual interest paid on newly drawn mortgages increased to 4.22% from 4.08%.

Consumer Credit: Net consumer credit borrowing remained stable at £1.7 billion. The annual growth rate for overall consumer credit rose to 8.9%, fueled by a 12.1% increase in credit card borrowing and a 7.5% rise in other consumer credit.

Deposits: Households increased their deposits with banks and building societies by £5.4 billion in May. This was primarily driven by £3.1 billion deposited into ISAs and £1.3 billion into interest-bearing time accounts. 

UK Non-Financial Businesses

Borrowing: UK non-financial businesses borrowed a net £1.2 billion in bank loans in May, a steep drop from the £5.1 billion borrowed in April. Within this group, large businesses accounted for £1.3 billion in borrowing, while small and medium-sized enterprises (SMEs) made a net repayment of £0.1 billion. Overall, private non-financial corporations (PNFCs) raised £1.1 billion in total net finance.

Deposits: Non-financial businesses deposited £3.1 billion across all currencies in May. This represents a strong reversal from the £6.6 billion in net withdrawals recorded during April.
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