The banking sector in the United Kingdom (UK) was deeply affected by the crisis. Bank credit has collapsed reflecting … to improve access to finance united under the roof of the British Business Bank. Further structural reforms are needed to …

information on the duration, geographical proximity and scope of all bank relationships of a representative sample of households …. Our analysis is based on a sample of 470 households which have a mortgage and multiple bank relations, allowing us to … households, we find that financially sophisticated borrowers are less likely to hold their mortgage with a local bank. We find no …