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.

Here you will find responses that we submitted before January 2018. This page is no longer being updated. For the latest mortgage consultation responses please go to the UK Finance website.

Search consultation responses

Consultation title Consulting body Summary Consulting period Status
Inquiry: Capacity of the homebuilding industry DCLGC The Communities and Local Government committee has launched an inquiry into the capacity of the house-building industry to meet demand for new homes. 05/07/16 - 12/09/16 Closed
Call for input to the post-implementation review of the FCA’s crowdfunding rules FCA We are supportive of the FCA proposal that peer to peer (P2P) platforms providing funding for residential mortgages should be subject to the same regulations as residential mortgage lenders. 08/07/16 - 08/09/16 Closed
Review of the Scottish Social Housing Charter – A Consultation SG We have provided comments on the value and usefulness of the Scottish Social Housing Charter to lenders, taking into account the current operational and resourcing environment of the Regulator. 01/06/16 - 24/08/16 Closed
ECO: Help to Heat - consultation DECC Lenders welcome measures that could help reduce energy running costs in mortgaged properties and we welcome proposals to simplify ECO and better target fuel-poor homes. 29/06/16 - 17/08/16 Closed
RICS consultation on valuation of Buy-to-let properties and Houses in Multiple Occupation RICS We welcome the introduction of such guidance, recognising the challenges which these types of properties raise for valuers; and make some specific suggestions on the drafting to improve clarity. 18/07/16 - 15/08/16 Closed
Quarterly Consultation No. 13 (CP 16/17) FCA We are supportive of the simplification principle being adopted in relation to the mortgage changes being proposed by the Financial Conduct Authority. 04/07/16 - 15/08/16 Closed
Social Housing Rent Standard and Guidance 2016 WG We note that most of the proposals relate more to local authorities as registered social landlords and, as such, are of tangential interest to our members. 17/06/16 - 12/08/16 Closed
Minor FCA Handbook changes related to mortgage borrowers with a payment shortfall FCA We support the view that any payment received from a customer with a payment shortfall is allocated solely to reduce the payment shortfall. 10/06/16 - 10/08/16 Closed
Removing barriers to switching regulators SRA We welcome the proposal to amend existing rules which trigger PII run-off provisions where a firm wishes to change regulator. 21/04/16 - 14/07/16 Closed
Land Registry consultation on Local Land Charges Rules LR We stress the need for a clear implementation pathway which avoids any additional delay to the conveyancing process. 09/05/16 - 11/07/16 Closed