FCA Publications

FCA Mortgage Charter Uptake Data

The FCA has published data on the uptake of the Government's Mortgage Charter for March 2026. The data, collected from 49 signatory firms representing 90% of the mortgage market, details the number of customers who have utilized options such as locking in new deals early or temporarily reducing payments. This publication provides insights into borrower support measures.

FCA Mortgage Lending Statistics Q4 2025

The FCA has published its mortgage lending statistics for Q4 2025, showing a record £1.73 trillion in outstanding loans. Key findings include an increase in high loan-to-value and loan-to-income lending, alongside a decrease in gross mortgage advances compared to the previous quarter.

FCA Mortgage Lending Statistics - March 2026

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.

FCA Review of Second Charge Mortgages

The FCA has reviewed second charge mortgage intermediaries and lenders, identifying examples of good and poor practices. The review focused on advice, fees, charges, and affordability assessments. Firms are expected to review their practices to ensure they meet Consumer Duty standards.

FCA Consumer Understanding Good Practice Review

The FCA has published findings from its review into how financial firms approach consumer understanding, an outcome under the Consumer Duty. The guidance highlights good practices and areas for improvement across several key areas, including management information, innovation, vulnerability, financial promotions, and governance.