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.

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Shared ownership: Joint guidance for England

Last updated: 13 Oct 2016

This guidance is for: lenders, shared ownership providers and conveyancers.  

The CML has produced joint guidance with the Homes and Communities Agency (HCA) and National Housing Federation (NHF) which provides information on the rules and requirements of grant funded shared ownership. This version was updated in October 2016.

This Shared Ownership Guidance has been updated to reflect changes to the administration of shared ownership, and provides information for:

  • Mortgage lenders in England;
  • Registered Providers (RPs) offering shared ownership: this includes Housing Associations and Local  Authorities which provide shared ownership housing;
  • Unregistered bodies offering shared ownership; and
  • Conveyancers in England