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 for wider content and updates from UK Finance.


How do households view their housing wealth?


2 February 2017

Newly released CML research findings show significant differences by age in attitudes to drawing on housing equity.

Lenders support move to independent social housing regulator


30 January 2017

Lenders have provided more than £60 billion funding for social housing, and our submission last week supported moves to set up an independent regulator of the sector.

Market commentary January 2017


26 January 2017

Total lending for 2016 estimated at £246 billion, up 12% compared to 2015 and in line with our forecasts. Property transactions were only marginally higher in 2016, at 1.23 million.

Mission control: plotting the right course


25 January 2017

As the CML formally responds to the consultation by the Financial Conduct Authority on its future mission, CML director general Paul Smee sets out his views on the way ahead.

Won’t move? Can't move!


23 January 2017

House purchase numbers by movers have barely recovered since the financial crisis, and a low number of transactions pushes up prices and leads to inefficient use of the housing stock.

Fact check: Do lenders really oppose longer tenancies?


19 January 2017

Despite recent assertions, neither lenders nor the CML oppose longer tenancies. Shelter recently found that lenders responsible for half of buy-to-let lending allow tenancies of at least 24 months.

Market musings: Housing policy from across the pond


16 January 2017

CML market analyst Carla Sateriale looks at a novel approach to housing affordability for young people in the US.

CML welcomes Recordsure as new associate


16 January 2017

The CML is delighted to welcome Recordsure as a new associate. We now have 97 associates, 139 members and seven third party administrator members.

CML member review: market flourished in politically turbulent year


19 December 2016

The CML's annual member review sets out how lending grew, borrowing rates declined - and the lender body signed up 11 new members in 2016.

Market commentary: 2017 and 2018 forecasts


15 December 2016

We publish new forecasts alongside market commentary. Our forecasts are more pessimistic about the future than a year ago, partly relating to economic uncertainty from the EU referendum.

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