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.

Section 106 planning agreements and low cost home ownership lending

Published: 4 September 2009

This note has been prepared to help local authorities and housing associations understand the issues that arise for lenders when section 106 (s106) agreements or other planning controls are used that contain restrictive or variation clauses.

The Mortgage Code (historical)

Last reviewed: 1 January 2010

The Mortgage Code, which no longer exists, came into effect for lenders on 1 July 1997 (first edition) and on 30 April 1998 for mortgage intermediaries (second edition). It remained in force until 31 October 2004, when the Financial Services Authority’s Mortgage Conduct of Business Sourcebook (MCOB) came into force, and the Code was withdrawn.

Working together - industry guide to lender & intermediary accountabilities & responsibilities in mortgage sales & servicing

Last updated: 22 September 2016

This guide has been fully revised and updated to reflect the changes made to the Mortgage Code of Business (MCOB) rules following the implementation of the Mortgage Credit Directive (MCD).