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.

Lenders need to be ensure that they are abreast of the latest developments with regard to funding issues.  

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

Funding (Capital)

Last updated: 28 February 2017

Ensuring lenders have sufficient and the right type of capital to absorb losses is a critical component of the prudential regulatory framework. This update keeps lenders abreast of the latest developments with regard to capital issues.

Funding (Liquidity)

Last updated: 28 February 2017

Firms need to raise liquidity to lend to borrowers. This update shows that lenders need to have a good mix of sources of liquidity, from retail deposits to wholesale funding markets, to ensure that they have a diversified mix of funding and can comply with regulatory requirements.