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.


New data on affordability for first-time buyers


12 December 2016

Housing consultant Chris Walker reflects on the latest data on first-time buyer affordability - and what the chancellor said about housing in his autumn statement.

Property taxation: time for reform?


8 December 2016

Rising house prices should mean more stamp duty payments. But predictions for revenue have fallen, partly because of less housing market activity. So, is it time for more fundamental reform?

Shared ownership: Ten steps to take the Cinderella tenure to the ball


5 December 2016

Shared ownership has a long way to go to become the UK's fourth tenure, but our recent research report sets out a series of steps to help the tenure grow.

CML welcomes its 100th associate!


5 December 2016

We recently recruited five new associates, taking the total to 100. We have recruited no fewer than 16 associates this year, taking the total number to its highest since 2008.

Rising stars bring a glow to CML conference


22 November 2016

In this article, Kasar Ayub, winner of the "rising stars" challenge at this year's CML conference, sets out his plans for a Let to Live mortgage.

Market commentary November 2016


17 November 2016

Economic data shows the economy holding up better than expected. The housing market is also doing better than expected, with gross mortgage lending in October estimated to be £20.6 billion.

Five key talking points from the CML annual conference


11 November 2016

The CML’s annual conference took place in London on Wednesday, bringing together many voices on the UK mortgage market. Here we examine the main talking points from the day.

Older borrowers - debt mountains and equity peaks!


27 October 2016

Analysis of our mortgage data sheds new light on the balance between debt and equity over the lifetime of a borrower.

Market commentary October 2016


20 October 2016

While hard economic data post-referendum remains elusive, survey data points to recovery in September. Our September gross lending estimate is £20.5 billion, up 2% from a year ago.

The impossible dream: is technology set to revolutionise the mortgage market?


5 October 2016

Tony Moroney of Berkeley Research Group (UK) Ltd recently spoke at a CML conference on digital innovation. Here, he looks at its potential to transform the mortgage market.

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