UK Mortgage Lending Statistics from FCA and PRA

FCA and Prudential Regulatory Authority (PRA) jointly publish quarterly mortgage lending statistics based on the Mortgage Lending and Administration Return (MLAR). The dataset covers around 340 regulated lenders and administrators, providing metrics on outstanding loan values, gross advances, and new commitments. It offers a time series for monitoring the UK residential mortgage market since 2007.

Use Cases

• Monitoring quarterly trends in UK residential mortgage lending based on reported aggregate values.
• Analyzing the relationship between new mortgage commitments and future lending activity.
• Assessing the scale and growth of the mortgage market using the outstanding loan value time series.
• Comparing lender activity across reporting periods using the mandatory MLAR submissions.

Strengths

• Data is collected from a mandatory regulatory return submitted by around 340 institutions, ensuring broad coverage of the market.
• Provides a consistent quarterly time series for key mortgage metrics starting from 2007.
• Published by two authoritative UK financial regulators, the FCA and PRA.

Limitations

• Specific column names and granular row/record counts are not provided in the available metadata.
• The 'last updated' dates from the uk_data platform (2026-07-08 and 2026-06-09) appear to be future dates, indicating a potential metadata conflict or error.
• Descriptions focus on aggregate findings; detailed lender-level or loan-level data is not described.

Provenance

Source

Financial Conduct Authority (FCA) and Prudential Regulatory Authority (PRA)

Collection Method

Mandatory quarterly submissions of the Mortgage Lending and Administration Return (MLAR) from regulated mortgage lenders and administrators.

Time Range

2007 Q1 onwards

Freshness

2026-07-08 13:32:07.055957

Geography

United Kingdom