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Household Borrowing Monitor (Jul.)

July’s household borrowing figures should help to assuage fears that the housing market slowdown is worsening, while cooling consumer credit growth will be welcome news for the Bank of England’s Financial Policy Committee. The rise in the number of new mortgages approved picked up from 65,318 in June to 68,689 in July, the strongest since March 2016 and well above the consensus expectation of a rise to 65,500. This suggests that approvals may now have turned a corner.

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