FCA: Mortgage lending statistics - Q3 2023 - December 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 decreased by 0.1% from the previous quarter to £1,654.3 billion, and was 0.8% lower than a year earlier.

* The value of gross mortgage advances increased by 18.6% from the previous quarter to £62.2 billion, the first increase since 2022 Q3, but remained 27.6% lower than a year earlier.

* The value of new mortgage commitments (lending agreed to be advanced in the coming months) decreased by 16.5% from the previous quarter to £51.5 billion, and was 41.4% lower than a year earlier.

英国金融行为监管局（FCA）与审慎监管局（PRA）共同承担对抵押贷款提供商和管理者的监管职责。他们每季度联合发布抵押贷款统计报告。

自2007年初以来，约340家受监管的抵押贷款提供商和管理者被要求每季度提交一份抵押贷款及管理报告（MLAR），提供其抵押贷款活动数据。

##最新发现
* 所有住宅抵押贷款的未偿还价值与前一季度相比下降了0.1%，达到1.6543万亿英镑，比一年前低0.8%。

* 总抵押贷款净增额从前一季度增长了18.6%，达到622亿英镑，这是自2022年第三季度以来的首次增长，但仍然比一年前低27.6%。

* 新抵押贷款承诺（在未来几个月内同意发放的贷款）的价值从前一季度下降了16.5%，达到515亿英镑，比一年前低41.4%。