FCA: Mortgage lending statistics - Q1 2022 - June 2022

The FCA and the Prudential Regulatory Authority (PRA) both have responsibility for the regulation of mortgage lenders and administrators. They jointly publish the mortgage lending statistics every quarter. 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. ##Latest findings## * The outstanding value of all residential mortgage loans was £1,630.5 billion at the end of 2022 Q1, 4.4% higher than a year earlier. * The value of gross mortgage advances in 2022 Q1 was £76.9 billion, which was £6.7 billion greater than the previous quarter, but 7.5% lower than in 2021 Q1. * The value of new mortgage commitments (lending agreed to be advanced in the coming months) in 2022 Q1 was 6.7% greater than the previous quarter and 6.6% greater than a year earlier, at £82.5 billion.金融行为监管局（Financial Conduct Authority，FCA）与审慎监管局（Prudential Regulatory Authority，PRA）共同负责抵押贷款机构及管理机构的监管工作，二者每季度联合发布抵押贷款放贷统计数据。 自2007年初以来，约340家受监管的抵押贷款机构与管理机构需每季度报送《抵押贷款放贷与管理申报表》（Mortgage Lending and Administration Return，MLAR），提交其抵押贷款放贷业务的相关数据。 ## 最新统计结果 * 截至2022年第一季度末，全口径住宅抵押贷款未偿总额达16305亿英镑，较上年同期增长4.4%。 * 2022年第一季度抵押贷款总放贷额为769亿英镑，较上一季度增加67亿英镑，但较2021年第一季度下降7.5%。 * 2022年第一季度新增抵押贷款承诺额（即约定于未来数月内发放的贷款）达825亿英镑，较上一季度增长6.7%，较上年同期增长6.6%。