FCA Mortgage Lending Statistics - March 2026

FCA Publications

Published March 10th, 2026

Detected March 14th, 2026

Summary

The FCA has released its mortgage lending statistics for March 2026, based on data submitted via the Mortgage Lending and Administration Return (MLAR). The report details trends in outstanding mortgage loans, gross mortgage advances, and new mortgage commitments for Q4 2025.

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What changed

The Financial Conduct Authority (FCA) has published its latest mortgage lending statistics for March 2026, covering data from Q4 2025. The report, compiled from the Mortgage Lending and Administration Return (MLAR) submitted by regulated firms, indicates a 0.8% increase in outstanding residential mortgage loans to £1,734.4 billion, and a 1.3% decrease in gross mortgage advances to £79.4 billion compared to the previous quarter. New mortgage commitments also saw a decrease of 11.9%.

These statistics are collected quarterly from approximately 340 regulated mortgage lenders and administrators. While this publication is primarily for informational purposes, firms should be aware of the reported market trends. The FCA and PRA jointly regulate these entities, and this data publication is a joint effort. The next edition is scheduled for June 9, 2026.

Source document (simplified)

Mortgage lending statistics - March 2026

Data First published:

10/03/2026

Last updated: 10/03/2026
We collect mortgage lending data via the Mortgage Lending and Administration Return (MLAR) which is submitted to the FCA by firms carrying out mortgage lending and mortgage administration.

Statistics on mortgage lending: Q4 2025 edition

The latest commentary and full statistical tables are available below. The commentary includes technical information on the MLAR as well as analysis of the findings.

Commentary on the statistics
MLAR statistics: summary tables (Excel)
MLAR statistics: detailed tables (Excel)
Technical notes (PDF)
How the data is calculated (PDF) For any technical queries on the tables contact MLAR Statistics.

An explanatory note detailing the relationship between this data and other mortgage statistics published by the Bank of England is available on their website.

Latest findings

The outstanding value of all residential mortgage loans increased by 0.8% from the previous quarter to £1,734.4 billion, the highest stock of outstanding mortgage loans since reporting began in 2007, and was 3.0% higher than a year earlier.
The value of gross mortgage advances decreased by 1.3% from the previous quarter to £79.4 billion, but remained 15.4% higher than a year earlier.
The value of new mortgage commitments decreased by 11.9% from the previous quarter to £69.9 billion, the largest decrease since 2023 Q3, but remained 0.8% higher than a year earlier.

Key information

Since the beginning of 2007, around 340 regulated mortgage lenders and administrators have been required to submit a Mortgage Lending and Administration Return (MLAR) each quarter, providing data on their mortgage lending activities.

The FCA and the Prudential Regulatory Authority (PRA) both have responsibility for the regulation of mortgage lenders and administrators so this data publication is joint. We publish this data every quarter.