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.

英国金融监管局（FCA）及审慎监管局（PRA）均肩负着对抵押贷款提供者及管理者的监管职责。二者联合每季度发布抵押贷款统计数据。

自2007年初以来，约340家受监管的抵押贷款提供者及管理者需每季度提交一份抵押贷款及管理回报（MLAR），以提供其抵押贷款活动数据。

##最新发现##
* 截至2022年第一季度末，所有住宅抵押贷款的未偿还价值达到1.6305万英镑，较上年同期增长4.4%。
* 2022年第一季度，新增抵押贷款额度（在未来几个月内同意发放的贷款）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，新抵押贷款承诺（未来几个月内同意发放的贷款）的价值较上一季度增长6.7%，较上年同期增长6.6%，达到825亿英镑。