Oakbrook research finds higher earners in middle age juggle the most credit repayments
11 November 2026 — For immediate release
Oakbrook, the UK lender behind the OakbrookOne debt consolidation loan, has published new research showing that the most complicated repayment profiles in its dataset belong not to people on low incomes, but to higher earners in middle age. People applying for credit in the UK aged 45 to 54 and earning £50,000 or more manage five or more separate credit repayments every month — the highest of any group measured.
The UK Debt Repayment Complexity Index 2026 is built from 4,299,599 anonymised credit records of people applying to borrow from an Oakbrook brand, with the data drawn from applicants to OakbrookOne, Oakbrook’s debt consolidation loan. It measures something UK debt statistics rarely capture: not how much people owe, but how many separate agreements they are keeping on top of each month.
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