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.

HMRC guidance for lenders on verifying the income of the self-employed

Last updated: 13 August 2015

We have worked with HMRC to make improvements to HMRC documentation that the self-employed may be asked for to support a mortgage application.

Mortgage fraud good practice guidance

Last updated: 17 January 2017

This guidance aims to help lenders identify and mitigate possible vulnerabilities to fraud in the mortgage lending process. This guidance is for CML members only.