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Regulators consult on £150m lending cap to permit more high-LTI mortgages

Summary by Mortgage Solutions

Financial watchdogs are consulting on applying the loan to income (LTI) flow limit on lenders who issue more than £150m in residential mortgages each year, rather than the current £100m cap. The post Regulators consult on £150m lending cap to permit more high-LTI mortgages appeared first on Mortgage Solutions.

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Property Industry Eye

Joint consultation on Loan to Income flow limit threshold for mortgage lenders - Property Industry Eye

Joint consultation on Loan to Income flow limit threshold for mortgage lenders - Breaking news for estate agents and the residential property industry. Independent, unbiased, and factual reporting. A forum for discussion and debate of topics of the day. Subscribe for our free daily newsletter.

22 hours ago

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Financial services: Regulation tomorrow

PRA and FCA consult on amending rules and guidance on loan to income ratios in mortgage lending

On 3 April 2025, the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA) launched a consultation, FCA CP25/6 and PRA CP6/25, on proposed amendments to the PRA Rulebook and FCA Guidance concerning the de minimis threshold for the loan to income (LTI) flow limit in mortgage lending. Background The LTI flow limit ensures that mortgage lenders limit the number of new residential mortgage loans made with an LTI ratio of 4.…

1 day ago

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Mortgage Finance Gazette

Watchdogs to consult over 4.5 times salary LTI home loans threshold – Mortgage Finance Gazette

Regulators will consult over raising the loan-to-income flow limit threshold in mortgage lending. The Prudential Regulation Authority and the Financial Conduct Authority have confirmed they will open a discussion with firms over an issue which institutions say caps the funds they can lend into… The post Watchdogs to consult over 4.5 times salary LTI home loans threshold appeared first on Mortgage Finance Gazette.

1 day ago

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