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.

We work with lenders, government and other stakeholders to address issues around government schemes aiming to increase housing supply and affordability. 

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

Budget statements

Last updated: 10 March 2017

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

Help to Buy and FirstSteps shared ownership schemes: England

Last updated: 27 April 2017

Our overview of the main government-funded shared ownership schemes in England highlights the CML position and our call for government to work with mortgage lenders and housing associations to overcome barriers and improve shared ownership as a tenure choice for the 21st century.

Help to Buy equity loan schemes: England, London, Scotland and Wales

Last updated: 28 July 2017

This page includes an overview of government-funded Help to Buy equity loan schemes; details the arrangements for England, Scotland and Wales and also includes updates on the latest statistics for the schemes.

Help to Buy ISA

Last updated: 10 November 2016

The Help to Buy ISA savings scheme has been introduced to help first time buyers in the UK save for a deposit to purchase their first home. This update gives the key information lenders should know about the scheme.

Help to Buy Mortgage Guarantee scheme

Last updated: 4 January 2017

The Help to Buy Mortgage Guarantee scheme closed to new offers on 31 December 2016. The guarantee is valid for seven years after the mortgage originated.

Housing white paper 2017

Last reviewed: 9 February 2017

An overview of the key announcements contained in the government's housing white paper published on 7 February 2017.

Lifetime ISA

Last updated: 26 January 2017

The Lifetime ISA was announced at the March 2016 Budget and can be used to save for retirement or to buy a home. This page summarises the scheme.

Low Cost Home Ownership: an overview

Last updated: 4 September 2017

This is a comprehensive round-up of the main current and predecessor schemes for low cost home ownership, also known as the intermediate market.


Last updated: 25 September 2017

This page gives details on the policies aimed at increasing the supply of newbuild property, including self-build and custom housebuilding and covers a number of newbuild issues that affect mortgage lenders.

Right to Buy and Right to Acquire schemes: England, Scotland and Wales

Last updated: 21 November 2016

This overview details our neutral position on the scheme in relation to residential mortgage lending.

Right to Buy Social Mobility Fund: England

Last updated: 30 March 2015

This fund enables eligible tenants with a Right to Buy to exercise that right in some circumstances where they would not otherwise be able to do so – such as where their social rented home is not suitable for a mortgage.

Starter Homes scheme

Last updated: 2 May 2017

We continue to liaise with the Department of Communities and Local Government and key stakeholders on development of the detail of the Starter Homes scheme.