FCA: Mortgage lending statistics - Q1 2023 - June 2023

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 £1,675.4 billion at the end of 2023 Q1, 2.7% higher than a year earlier, but a decrease on the previous quarter for the first time since 2017 Q2.

* The value of gross mortgage advances in 2023 Q1 was £58.8 billion, which was £22.9 billion lower than the previous quarter, and 23.6% lower than in 2022 Q1. This was the lowest observed since 2020 Q2.

* The value of new mortgage commitments (lending agreed to be advanced in the coming months) in 2023 Q1 was 16.1% less than the previous quarter and 40.7% less than a year earlier, at £48.9 billion. This was also the lowest observed since 2020 Q2.

英国金融市场行为监管局（FCA）和审慎监管局（PRA）共同承担对抵押贷款提供者和管理者的监管职责。他们每季度联合发布抵押贷款统计数据。

自2007年初以来，约340家受规管的抵押贷款提供者和管理者被要求每季度提交一份抵押贷款和行政管理报告（MLAR），提供其抵押贷款活动数据。

##最新发现
* 截至2023年第一季度末，所有住宅抵押贷款的未偿还价值为1.6754万亿美元，较上年同期增长2.7%，但自2017年第二季度以来首次出现较前一个季度的下降。

* 2023年第一季度的总抵押贷款新增额为588亿英镑，较前一个季度低229亿英镑，较2022年第一季度低23.6%。这是自2020年第二季度以来的最低值。

* 2023年第一季度的新增抵押贷款承诺（未来几个月内将发放的贷款）价值较前一个季度低16.1%，较上年同期低40.7%，为489亿英镑。这也是自2020年第二季度以来的最低值。