UK Mortgage Lending Statistics: Quarterly Regulatory Returns

UK mortgage lending data is collected quarterly from around 340 regulated lenders and administrators by the Financial Conduct Authority and Prudential Regulation Authority. The dataset, which began in 2007, tracks metrics like the outstanding value of residential loans, gross advances, and new commitments. It provides a detailed view of the UK mortgage market for regulatory oversight and economic analysis.

Use Cases

• Monitoring market stability and risk based on quarterly loan volumes and values.
• Analyzing lending trends over time based on data collected since 2007.
• Regulatory compliance assessment based on mandatory Mortgage Lending and Administration Returns (MLAR).
• Economic forecasting based on metrics like new mortgage commitments for future lending.

Strengths

• Data is sourced from a large, mandatory panel of around 340 regulated entities, ensuring broad market coverage.
• Provides a consistent quarterly time series starting from 2007, enabling long-term trend analysis.
• Published jointly by two major UK financial regulators (FCA and PRA), indicating authoritative collection.

Limitations

• Specific column names and data granularity are not provided in the available metadata.
• The exact row count and dataset size are unknown, limiting assessment of its scale.
• There is a conflict in recorded 'last updated' dates, with one source showing a future date (2026-07-08).

Provenance

Source

Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA), UK.

Collection Method

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

Time Range

2007 Q1 onward (quarterly).

Freshness

The latest findings referenced are for 2022 Q3, but metadata update dates are inconsistent or show a future date.

Geography

United Kingdom.