Guidance notes
We produce guidance notes for those working in housing and mortgage related professionals. These guides are designed to provide information on best practice within the industry.
All current guidance is provided on this page. We cannot provide access to old or obselete practice guides or statements of practice.
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22-Dec-11 |
Mortgage fraud good practice guidance Good practice guidance for lenders on how to protect themselves against mortgage fraud. |
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15-Dec-11 |
Assisting customers susceptible to cost of living or interest rate rises This guidance note is designed to aid members' understanding of what can be done to assist borrowers who might be most at risk from affordability pressures driven by a rise in base rate or cost of living. |
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10-Nov-11 |
Guidance for handling arrears and possession sales of shared ownership properties This joint CML/National Housing Federation (NHF) guidance provides a synthesis of accumulated lender and housing association best practice in handling the difficult situation where a shared ownership property is possessed by the lender. The guidance also provides documents containing relevant contact details for lenders and individual housing associations plus an example of a lender/housing association service level agreement. |
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14-Oct-11 |
CML industry guidance on arrears and possessions to help firms comply with MCOB 13 and TCF principles This document gives firms guidance on developing forbearance policies and day-to-day arrears management practices. It focuses primarily on MCOB 13 and TCF principles but also contains elements of the FSA’s recently finalised guidance on forbearance and impairment for mortgages. This version of the CML’s industry guidance replaces that issued in October 2008. |
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03-Oct-11 |
Lender minimum requirements where a borrower requests consent to enter into a lease or licence in respect of photovoltaic panels being fitted to affordable housing properties This guidance is issued to inform the market of typical lender requirements. Given the complexity and variation of solar schemes it cannot cover all issues but sets out areas where lenders may have minimum requirements. Early consideration of these points may allow time for alternative proposals to be considered by individual funders. |
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12-Aug-11 |
Keeping it simple: Affordable home ownership mortgage ‘toolkit’ A guide for those involved in planning and delivering low cost home ownership. |
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09-Jun-11 |
CML-BSA guidance and minimum requirements regarding leases of roofspace for fitting solar photovoltaic panels This is the CML-BSA guidance and minimum requirements regarding leases of roofspace for fitting solar photovoltaic panels. |
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11-Apr-11 |
Equity release and the impact on benefits and tax This guide provides an overview of how equity release will impact on tax and benefits issues. Updated for the tax year 2011-2012. |
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24-Feb-11 |
The role of LPA receivers This guidance note outlines the basic circumstances and considerations for a lender in appointing a Law of Property Act (LPA) or fixed charge receiver. The drafting of this guidance has been assisted by an independent LPA receiver, Bradford & Bingley, Eversheds, NARA, TLT Solicitors and the CML’s Buy-to-Let Panel. |
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01-Dec-10 |
Shared Ownership: Joint Guidance for England Produced in conjunction with the Housing Corporation and the National Housing Federation, this guide provides information for mortgage lenders, registered social landlords/housing associations and conveyancers on a range of shared ownership issues that have been a subject of both discussions and consultation in recent years. |
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