Mortgage Lenders and Administrators Statistics - 2026 Q2

The Mortgage Lenders and Administrators Return (MLAR) is a quarterly statistical release aggregated from data on mortgage lending activities provided by around 340 regulated mortgage lenders and administrators. Published on 08 September 2026

Key findings

• The outstanding value of all residential mortgage loans increased by 0.8% from the previous quarter to £1,760.6 billion, and was 3.1% higher than a year earlier (Table A).1
• The value of gross mortgage advances increased by 11.1% from the previous quarter to £77.4 billion, and was 31.7% higher than a year earlier (Table A and Chart 1).
• The value of new mortgage commitments increased by 1.4% from the previous quarter to £79.2 billion, and was 1.3% higher than a year earlier (Table A and Chart 1).
• The share of gross mortgage advances with interest rates less than 2% above Bank Rate decreased by 0.2 percentage points (pp) from the previous quarter to 94.5%, the lowest since 2023 Q1, and was 0.6pp lower than a year earlier (Chart 2).
• The share of gross mortgage advances with loan-to-value (LTV) ratios exceeding 90% increased by 0.4pp from the previous quarter to 8.4%, the highest share since 2008 Q2, and was 1.4pp higher than a year earlier (Chart 3).
• The share of gross mortgage advances for buy-to-let purposes decreased by 0.9pp from the previous quarter to 8.0%, the lowest since 2024 Q3, and was 1.2pp lower than a year earlier (Chart 5).
• The share of gross mortgage advances for house purchase for owner occupation decreased by 1.6pp from the previous quarter to 56.1%, but remained 0.1pp higher than a year earlier (Chart 5).
• The share of gross advances for remortgages for owner occupation increased by 3.1pp from the previous quarter to 31.2%, the highest since 2024 Q1, and was 2.2pp higher than a year earlier (Chart 5).
• The value of outstanding mortgage balances with arrears decreased by 1.9% from the previous quarter to £19.7 billion, the lowest since 2023 Q3, and was 7.3% lower than a year earlier (Chart 6).
• The proportion of total mortgage loan balances with arrears, relative to all outstanding mortgage balances, remained unchanged from the previous quarter at 1.1%, and was 0.1pp lower than a year earlier (Chart 6).

Table A: Residential loans to individuals, flows and balances

Regulated and non-regulated mortgages *

£ billions

Not seasonally adjusted

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

2024

2025

2026

Flows

Gross advances

65.5

68.8

77.6

58.8

80.4

79.4

69.6

77.4

New commitments

66.1

69.4

68.3

78.2

79.4

69.9

78.1

79.2

Amounts outstanding

1,674.7

1,683.4

1,702.4

1,707.1

1,721.3

1,734.2

1,746.1

1,760.6

*This data covers regulated mortgage lending, and non-regulated mortgage lending by firms which undertake regulated mortgage lending or administration of regulated mortgages.

Graphical Analysis:

• The value of gross mortgage advances increased by 11.1% from the previous quarter to £77.4 billion, and was 31.7% higher than a year earlier (Table A and Chart 1).2
• The value of new mortgage commitments (lending agreed to be advanced in the coming months) increased by 1.4% from the previous quarter to £79.2 billion, and was 1.3% higher than a year earlier.3

• The share of gross mortgage advances with LTV ratios exceeding 90% increased by 0.4pp from the previous quarter to 8.4%, the highest share since 2008 Q2, and was 1.4pp higher than a year earlier (Chart 3).7
• Within this, the share of mortgages advanced with LTVs over 95% has stayed the same as the previous quarter at 0.5%, but remained 0.2pp higher than a year earlier.8
• The share of gross mortgage advances with LTV ratios exceeding 75% increased by 1.5pp from the previous quarter to 47.5%, the highest share since 2007 Q4, and was 4.2pp higher than a year earlier.9

Queries

Next release date: 8 December 2026

More information

Long run versions of the summary and detailed tables are now available in Excel format, for data going back to Q1 2007. These have been sourced from data published by the FSA on their archive pages prior to Q1 2013 and data published by the Bank of England from Q1 2013.

• MLAR statistics: detailed tables (XLSX 1.3MB)
• MLAR statistics: summary tables (XLSX 0.3MB)

• Further details about mortgage lenders and administrators statistics
• Further details on MLAR available from the FCAOpens in a new window
• MLAR formOpens in a new window

Statistics // UK international reserves 05 October 2026 Statistics // Banking sector regulatory capital 30 September 2026 Statistics // Effective interest rates 29 September 2026 Statistics // Money and Credit 29 September 2026 View more Other statistics

Back to top