The number of mortgage approvals for house purchase fell slightly last month from 60,045 in November to to 59,023, according to Bank of England data.
Yet although approvals fell over December the number is still up compared to the average for the past six months of 55,004.
Remortgage approvals rose last month to 27,276 from 25,619 in November, but remain below the previous six-month average of 28,417.
Total net lending to individuals rose by £1.2bn in December, while net lending secured on dwellings increased by £1.2bn.
Secured lending by banks excluding the effects of securitisations went up by £3bn.