FCA's Mortgage Roadmap Sensible but Improved Housing Supply Key to Change

‘Under-served’ consumers to receive lending boost under new FCA mortgage plans

‘Under-served’ consumers to receive lending boost under new FCA mortgage plans: First-time buyers, the self-employed and later-life lenders could get a step-up onto the housing ladder under plans announced by the Financial Conduct Auth

FCA publishes mortgage rule review feedback statement and roadmap

On 15 December 2025, the Financial Conduct Authority (FCA) published a feedback statement (FS25/6) setting out its response to feedback received on the future of the mortgage market, and action it intends to take to modernise its mortgage rules.BackgroundIn June 2025, the FCA published Discussion Paper 25/2 in which it considered areas where changes may be needed to support sustainable home ownership and economic growth, and where increased flex…

FCA confirms timeline for mortgage rule changes

In feedback to its Mortgage Rule Review published today, the FCA said it would act at pace to bring forward proposals to support first-time buyers and

FCA's mortgage roadmap sensible but improved housing supply key to change

FCA sets out FS25/6 roadmap to widen mortgage access

The Financial Conduct Authority (FCA) has published its FS25/6 roadmap and timeline today, 15th December, setting out its plans for the UK mortgage market.  The roadmap highlighted four main areas.  One was making it easier for first-time buyers (FTBs) and underserved groups to get a mortgage, including those with smaller deposits, irregular income or poor credit.  The FCA plans to encourage lenders to consider rental payments in affordability c…