Data & indexes
Every figure on Lending Intelligence, with its source and period. Attributed to the original publisher and reproduced as published, never adjusted.
Methodology · Download CSV (Bank of England series; FLA figures are shown here under licence and not included)Latest
| Series | Latest | Change | Period | Source |
|---|---|---|---|---|
| Second-charge new business | £205.0m | +2.0% y/y | Jul 2026 (prov.) | FLA |
| New agreements | 3,919 | +1.4% y/y | Jul 2026 (prov.) | FLA |
| Bank Rate | 3.75% | 0bp m/m | Sep 2026 | Bank of England |
| 2-year fixed, 75% LTV | 5.13% | +21bp m/m | Sep 2026 | Bank of England |
| 5-year fixed, 75% LTV | 4.98% | +20bp m/m | Sep 2026 | Bank of England |
| SONIA | 3.73% | 0bp m/m | Sep 2026 | Bank of England |
| 5-year gilt yield | 4.92% | +33bp m/m | Sep 2026 | Bank of England |
Rates
| Month | Bank Rate | SONIA | 5yr gilt | 2yr fix | 5yr fix |
|---|---|---|---|---|---|
| Sep 2026 | 3.75% | 3.73% | 4.92% | 5.13% | 4.98% |
| Aug 2026 | 3.75% | 3.73% | 4.59% | 4.92% | 4.78% |
| Jul 2026 | 3.75% | 3.73% | 4.56% | 4.79% | 4.58% |
| Jun 2026 | 3.75% | 3.73% | 4.28% | 4.80% | 4.62% |
| May 2026 | 3.75% | 3.73% | 4.31% | 4.91% | 4.77% |
| Apr 2026 | 3.75% | 3.73% | 4.49% | 5.14% | 4.96% |
| Mar 2026 | 3.75% | 3.73% | 4.44% | 4.45% | 4.42% |
| Feb 2026 | 3.75% | 3.73% | 3.70% | 3.97% | 4.00% |
| Jan 2026 | 3.75% | 3.73% | 3.96% | 3.93% | 3.94% |
| Dec 2025 | 3.90% | 3.88% | 3.93% | 3.97% | 3.99% |
| Nov 2025 | 4.00% | 3.97% | 3.86% | 4.06% | 4.06% |
| Oct 2025 | 4.00% | 3.97% | 3.82% | 4.20% | 4.17% |
| Sep 2025 | 4.00% | 3.97% | 4.04% | 4.19% | 4.16% |
Second charge
| Month | New business | Agreements |
|---|---|---|
| Jul 2026 | £205.0m | 3,919 |
| Jun 2026 | £205.0m | 3,828 |
| May 2026 | £175.0m | 3,245 |
| Apr 2026 | £191.0m | 3,504 |
| Mar 2026 | £228.0m | 4,129 |
| Feb 2026 | £214.0m | 3,904 |
| Jan 2026 | £183.0m | 3,456 |
| Dec 2025 | £182.0m | 3,379 |
| Nov 2025 | £203.0m | 3,934 |
| Oct 2025 | £223.0m | 4,238 |
| Sep 2025 | £202.0m | 3,786 |
| Aug 2025 | £176.0m | 3,459 |
| Jul 2025 | £201.0m | 3,863 |
Sources
Second-charge new businessFinance & Leasing Association
Second-charge new agreementsFinance & Leasing Association
Bank Rate (monthly average)Bank of England · IUMABEDR
2-year fixed, 75% LTV (quoted)Bank of England · IUMBV34
5-year fixed, 75% LTV (quoted)Bank of England · IUMBV42
SONIA (monthly average)Bank of England · IUMASOIA
5-year gilt yield (monthly average, nominal par)Bank of England · IUMSNPY
Diary
DUEFLA second-charge, August data
5 NOVMPC Bank Rate decision
6 NOVBoE quoted rates, October
12 NOVUK Finance arrears and possessions, Q3 2026
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