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.

Buy-to-let mortgages are used to facilitate the purchase and remortgage of residential property in the UK, for the purposes of letting to a tenant in the private rented sector. We are committed to promoting a market that works for all participants, including lenders, tenants and landlords.

See below for detailed information on our policy work in this area.

Arrears and possessions

Last updated: 30 August 2017

The latest position in relation mortgage performance but also an overview of the support that is available to mortgage borrowers who are experiencing payment difficulty. This includes support for mortgage interest and assisted voluntary sales.

Budget statements

Last updated: 10 March 2017

A summary of the key announcements given by the chancellor Philip Hammond during his 2017 spring Budget.

Buy-to-let mortgages and the private rented sector

Last updated: 12 June 2017

Lending to landlords who are investing in the private rented sector is an escalating trend in the mortgage market. This page sets out some aspects in relation to this type of lending including how these mortgages are different to those for owner occupation.

Consumer buy-to-let

Last updated: 18 November 2016

This is an overview of the changes required for buy to let lending because of the introduction of new regulations which apply to consumers who use buy to let mortgages. These changes will mean that more buy to let loans fall within the remit of the FCA from 21 March 2016.