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.

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  5. Securing mortgage access for affordable housing: A good practice note for planning and housing practitioners

Securing mortgage access for affordable housing: A good practice note for planning and housing practitioners

Last updated: 1 Feb 2013

This guidance is for: planning and housing practitioners to assist in the delivery of affordable housing

This guidance has been prepared jointly by the Welsh Local Government Association (WLGA), Welsh Government, the Council of Mortgage Lenders (CML) and the Chartered Institute of Housing (CIH) and Community Housing Cymru (CHC) as a response to the difficulties being encountered by all parties in providing affordable housing in perpetuity.  

This guidance note is for planning and housing practitioners to assist in the delivery of affordable housing.  It offers examples of good practice for planning and housing professionals which can be referred to when considering drafting Section 106 agreements for affordable housing. It brings together the experience of retail mortgage lenders, Local Authorities and providers in the delivery of affordable housing to customers.  It is intended that application of these principles should lessen the need for recurrent renegotiation of S106 obligations.