From 1st July the Council of Mortgage Lenders is integrated into a new trade association, UK Finance. For the time being, all UKF mortgage information will continue to be published on this website, and UKF member-only mortgage information will only be available here.

UK Finance represents around 300 firms in the UK providing credit, banking, markets and payment-related services. The new organisation takes on most of the activities previously carried out by the Asset Based Finance Association, the British Bankers’ Association, the Council of Mortgage Lenders, Financial Fraud Action UK, Payments UK and the UK Cards Association. Please go to www.ukfinance.org.uk for wider content and updates from UK Finance.

You can find details of our latest research reports on this page.

We commission external research in areas of strategic or longer-term importance to our members.

External research can help to initiate policy debates, shape our future housing and mortgage markets and strengthen our links with key opinion-formers and industry stakeholders.

See also our Future research page for details of research that we are currently working on or planning for the near-term.

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UK and Irish housing markets: a first-time buyer perspective

27 September 2017

A joint research report, published by UK Finance and the Banking and Payments Federation Ireland (BPFI).

Missing Movers: A Long-Term Decline in Housing Transactions?

30 June 2017

Exploring why turnover in the UK housing market has shrunk over the past 20-30 years, identifying the most important drivers of this lower turnover.

Digital change and mortgage borrowers

27 June 2017

A research report providing an industry-informed view of how mortgage customer expectations are developing, and how digital changes are improving experiences and further enhancing operational efficiencies.

Later life borrowing - New mindsets: Old silos

26 June 2017

A research report designed to explore how the advice process could be strengthened for households wishing to borrow beyond their expected retirement age or post-retirement.

The profile of UK private landlords

13 December 2016

A research report providing up-to-date information on the scale and profile of private landlords and how policy changes may affect their future plans.

Government housing schemes: Accident or design?

16 November 2016

This research report sets out a framework for exploring how well the various government housing initiatives fit together, whether they form a coherent whole, and which households are helped, or not, by such products.

Home-ownership or bust?

20 October 2016

A research report exploring the challenges facing younger households and the supportive role being played by government housing initiatives.

Shared Ownership: Ugly sister or Cinderella?

18 October 2016

Examining the challenges and opportunities from a mortgage lender's perspective, around the government's ambitious plans to support an additional 135,000 shared ownership homes.

Retirement borrowing: Reality, Perceptions, Projections and Potential

3 December 2015

In this research report, the CML has produced a series of ‘calls to action’ for the mortgage industry, government and regulators, to deliver good outcomes for older borrowers.

Consumer demand for retirement borrowing

1 November 2015

The report provides an overview of some of the key issues related to the current retirement borrowing landscape, and the challenges facing key stakeholders.