For April
Provided by: Bank of England
Official Release: HTML PDF

Net Consumer Credit: £0.3B pr. £0.1B (Mar), -£0.2B (Feb), £0.4B (Jan),
£0.3B (Dec), £0.8B (Nov), £0.8B (Oct), £0.3B (Sep), £1.1B (Aug), £1.1B (Jul),
£0.9B (Jun), £1.4B (May)

Net Mortg. Lend.: £1.0B pr. £0.8B (Mar), £1.5B (Feb), £1.1B (Jan),
£1.9B (Dec), £0.7B (Nov), £0.5B (Oct), £1.5B (Sep), -£0.7B (Aug), 
£3.2B (Jul), £3.1B(Jun), £4.1B (May)

From the Release: "The increase in total net lending to individuals in April (£1.3 billion) was higher than the March increase (£0.7 billion) but below the previous six-month average. Within the total, the increase in net lending secured on dwellings (£1.0 billion) was higher than the March increase  (£0.6 billion) but below the previous six-month average.  The twelve-month growth rate fell further, by 0.4 percentage points to 1.5%. The three-month annualised growth rate was unchanged at 1.0%. The number of loans approved for house purchase (43,201) was higher than in March and higher than the previous six-month average. Approvals for remortgaging (31,800) and for other purposes (27,916) were lower than in March and below the previous six-month averages."

For March
Provided by: Bank of England
Official Release: HTML PDF

Net Consumer Credit: £0.1B, forecast £0.2B, pr. -£0.2B (Feb), £0.4B (Jan),
£0.3B (Dec), £0.8B (Nov), £0.8B (Oct), £0.3B (Sep), £1.1B (Aug), £1.1B (Jul),
£0.9B (Jun), £1.4B (May)

Net Mortg. Lend.: £0.8B, forecast £1.6B, pr. £1.5B (Feb), £1.1B (Jan),
£1.9B (Dec), £0.7B (Nov), £0.5B (Oct), £1.5B (Sep), -£0.7B (Aug), 
£3.2B (Jul), £3.1B(Jun), £4.1B (May)

From the Release: "The increase in total net lending to individuals in March (£0.9 billion) was lower than the February increase and below the previous six-month average (Table A). The twelve-month growth rate continued to fall, by 0.4 percentage points to 2.2%, and the three-month annualised growth rate fell by 0.3 percentage points to 1.0%.

Consumer credit increased by a net £0.1 billion, unchanged from revised February figures and below the previous six‑month average (Table A). Net credit card lending increased by £0.3 billion and net other loans and advances fell by £0.1 billion. The annual growth rate of consumer credit continued to fall, to 3.2%; the three-month annualised growth rate fell by 0.4 percentage points to 0.6%."

For February
Provided by: Bank of England
Current Release: HTML PDF

Net Consumer Credit: -£0.2B, forecast £0.4B, pr. £0.4B (Jan), £0.3B (Dec),
£0.8B (Nov), £0.8B (Oct), £0.3B (Sep), £1.1B (Aug), £1.1B (Jul), £0.9B (Jun),
£1.4B (May)

Net Mortg. Lend.:  £1.5B, forecast £0.9B, pr. £1.1B R (Jan), £1.9B (Dec),
£0.7B (Nov), £0.5B (Oct), £1.5B (Sep), -£0.7B (Aug),  £3.2B (Jul), £3.1B(Jun),
£4.1B (May)

Net consumer lending increased £1.3 billion in February, as mortgage lending rose more than expected, while consumer credit fell more than expected. The rise in mortgage lending and mortgage approvals is a welcome sign to the UK housing sector which has been grappling with tighter lending conditions from banks, falling housing prices, and a weak economy that has depressed demand for homes. Signs of imrpovement there can have a ripple effect into the wider economy as the housing sector and the financial turmoil surrounding banks were the catalysts for the current recession. In a worrisome sign consumer credit decreased by £245 million, which was the lowest figure in teh survey's 16-year history. Consumer lending should accelerate in the coming months as banks have signed agreements with the government to increase borrowing. 

For January
Provided by: Bank of England
Official Release: HTML PDF

Net Consumer Credit: £0.4B, forecast £0.5B, pr. £0.3B (Dec), £0.8B (Nov),
£0.8B (Oct), £0.3B (Sep), £1.1B (Aug), £1.1B (Jul), £0.9B (Jun), £1.4B (May)

Net Mortg. Lend.: £0.7B, forecast £1.5B, pr. £1.9B (Dec), £0.7B (Nov),
£0.5B (Oct), £1.5B (Sep), -£0.7B (Aug),  £3.2B (Jul), £3.1B(Jun), £4.1B (May)

UK consumer lending rose at the slowest pace since at least 1993, a 15-year low. New consumer lending increased in January by 1.1 billion pounds, compared to 2.1 billion in December.  

For December
Provided by: Bank of England
Official Release: HTML PDF

Net Consumer Credit: £0.3B, forecast £0.7B, pr. £0.8B (Nov), £0.8B (Oct),
£0.3B (Sep), £1.1B (Aug), £1.1B (Jul), £0.9B (Jun), £1.4B (May)

Net Mortg. Lend.: £1.9B, forecast £0.6B, pr. £0.7B (Nov), £0.5B (Oct),
£1.5B (Sep), -£0.7B (Aug),  £3.2B (Jul), £3.1B(Jun), £4.1B (May)

For November
Provided by: Bank of England
Official Release: HTML PDF

Net Consumer Credit: £0.8B, forecast £0.6B, pr. £0.8B, pr. £0.3B (Sep),
£1.1B (Aug), £1.1B (Jul), £0.9B (Jun), £1.4B (May), £0.9B (Apr)
Net Mortg. Lend.: £0.7B, forecast £0.5B, pr. £0.5B (Oct), £1.5B (Sep),
-£0.7B (Aug),  £3.2B (Jul), £3.1B(Jun), £4.1B (May), £6.4B (Apr)

From the Release: "The increase in total net lending to individuals in November (£1.5 billion) was higher than the October increase, but below the previous six-month average (Table A). The twelve-month growth rate slowed further, to 4.1%, and the  three-month annualised growth rate ticked up by 0.1 percentage points to 1.3%.

Within the total, the increase in net lending secured on dwellings (£0.7 billion) was higher than the October increase, but below the previous six-month average (Table A).  The twelve-month growth rate slowed further, to 3.9%.  The  three-month annualised growth rate ticked up by 0.2 percentage points to 0.9%.  The numbers of loans approved for house purchase (27,000), remortgaging (42,000) and for other purposes (32,000) were all lower than in October and lower than their previous six-month average, (Table B).

The increase in net consumer credit in November (£0.8 billion) was in line with the October increase, but below the previous six‑month average (Table A). Net credit card lending and net other loans and advances each rose by £0.4 billion, both in line with their October increase. The annual growth rate of consumer credit continued to slow, to 5.2%; the three-month annualised growth rate slowed by 0.4 percentage points, to 3.2%."

For October
Provided by: Bank of England
Official Release: HTML PDF

Net Consumer Credit: £0.8B, forecast £0.5B, pr. £0.3B (Sep), £1.1B (Aug),
£1.1B (Jul), £0.9B (Jun), £1.4B (May), £0.9B (Apr)
Net Mortg. Lend.: £0.5B, forecast £1.1B, pr. £1.5B (rev from £2.2B, Sep),
-£0.7B (Aug),  £3.2B (Jul), £3.1B(Jun), £4.1B (May), £6.4B (Apr)

Total net lending to individuals increased by £1.3 billion in October compared to September. That was a sharp drop from September's figure as mortgage lending fell to a meager £500 million. Net consuemr credit rose to £800 million. The number of loans approved for house purchases slipped to 32K, a fresh all time low. The housing sector is seeing tight credit conditions, which is evident by the weak amount of pounds going towards mortgage lending. Along with weak data from the manufacturing sector, this data will increase the pressure on the Bank of England to cut rates aggresively this week. Expectations are already high, as economists see policy makers reducing borrowing costs by 100 basis points to 2%. 

For September
Provided by: Bank of England
Official Release: HTML PDF

Net Consumer Credit: £0.3B, forecast £1.1B, pr. £1.1B (rev from £1.2B - Aug),
£1.1B (Jul), £0.9B (Jun), £1.4B (May), £0.9B (Apr)
Net Mortg. Lend.: £2.2B, forecast £0.7B, pr. -£0.7B (rev from £0.1B - Aug),
£3.2B (Jul), £3.1B(Jun), £4.1B (May), £6.4B (Apr)

Lending by UK banks edged up in September. Net consumer lending rose £2.4B following a downwardly revised £0.4B in August. The increase brings lending up from a record low in August. Lending secured by mortgages climbed £2.2B. The revision to August's data pointed to a drop of £0.7B, which was the first negative reading since records began in 1993. The amount of new mortgage approvals inched up to 33K in September from its record low of 32K in August. These two pieces of data point to the positive effects that the recent moves by the Bank of England may head, mainly the recapitalization of banks in exchange for shares, that stipulate banks have to lend the money they received. Still, on a negative note, consumer credit rose by a very tepid £0.3B, which was a sharp drop-off from recent months, which have averaged around £1.0B. Consumer faced with weakening economic conditions are using less credit. 

From the Release: "The increase in total net lending to individuals in September (£2.4 billion) was above the increase in August, but below the previous six-month average (Table A). The twelve-month growth rate slowed further, to 5.4%, and the three-month annualised growth rate fell by 0.4 percentage points to 1.9%.

Within the total, the increase in net lending secured on dwellings(£2.2 billion) was stronger than the decline in August (revised from a £0.1 billion increase published previously), but weaker than the previous six-month average.

The increase in net consumer credit in September (£0.3 billion) was below that in August and below the previous six‑month average (Table A). Net credit card lending rose by £0.3 billion, below the increase in August. Net other loans and advances fell slightly in September."

For August
Provided by: Bank of England
Official Release: PDF

Net Consumer Credit: £1.2B, forecast £1.0B, pr. £1.1B (Jul), £0.9B (Jun),
£1.4B (May), £0.9B (Apr)
Net Mortgage Lending: £0.1B, forecast £2.8B, pr. £3.2B (Jul), £3.1B(Jun),
£4.1B (May), £6.4B (Apr)

Net lending fell to its lowest level since April, 1993, dragged by historic lows in mortgage approvals and lending. Consumer credit edged up to £1.2 from £1.1B in July.

From the release: The increase in total net lending to individuals in August (£1.4 billion) was below the increase in July and the previous six-month average (Table A). The twelve-month growth rate slowed further, to 6.2%, and the three-month annualised growth rate fell by 1.0 percentage points to 2.6%.