You are here: Home > Policy


Policy imageOur policy work provides a vital link between lenders, government and other key stakeholders. We work with the industry to identify and communicate policy across a wide spectrum - from valuation issues to arrears and possessions. To see what we are working on in 2014 please view CML policy priorities. Our policy pages will give you an insight into our key policy positions through to our written communications to ministers and other policy makers.

Latest policy issues Latest circulars
  1. Land Registration (Scotland) Act 2012

    17 Oct 14
  2. EU Directive on responsible lending and borrowing (now called the Directive on credit agreements relating to residential property)

    26 Jun 14
  3. Low-cost home ownership: Factsheets on shared ownership & shared equity schemes

    6 May 14
  1. Starter Homes Scheme for first-time buyers

    15 Dec 14
  2. An overview of Autumn Statement 2014

    3 Dec 14
  3. Lenders Handbook amendments go live - 1 December 2014

    1 Dec 14

View more policy issues

View more circulars

Latest policy responses

View more policy responses

CML response to DCLG CP: Right to Build: Supporting Custom and Self Build

PDF | 19 Dec 14
The CML has responded to the Department for Communities and Local Government consultation on Right to Build. The CML is supportive of efforts to increase housing supply, recognising that custom-build has a role to play. We believe, however, that in isolation the Right to Build scheme may not go far enough to bring any meaningful increase in this form of housing delivery.

CML response to Scottish Government CP: Proposals to exempt certain heritable securities from from the "20 year security rule"

PDF | 18 Dec 14
We have responded to this Scottish Government consultation saying we support fully their proposals to exempt Scottish Government shared equity schemes such as Help to Buy and LIFT from the 20 year security rule. However we have suggested given the length of time since the abolition of feu duty and the subsequent abolition of the system of feudal tenure in Scotland we believe the rule to be out dated and consider it should be abolished.

CML response to Welsh Government: association board member remuneration

PDF | 8 Dec 14
We responded by welcoming the flexibility and freedom for boards to decide to remunerate, as this could help attract and retain the required skills and expertise needed for good governance. We do not think government should specify a maximum limit. Instead, we feel that boards should decide the level of remuneration for themselves according to their needs and circumstances. We suggest some areas where the guidance could be improved and made clearer.

Guidance NOTES   Useful links

These notes have been produced for people working within the mortgage profession and provide advice on best practice. They cover shared ownership issues, equity release and lifetime mortgages and mortgage redemption statements.


Use this section to search for organisations that produce research or represent a profession or sector that has an impact on the housing and mortgage markets.

View guidance notes
View useful links