Written Question·Treasury·UIN 76726

Mortgages

Tabled: 11 September 2025

Answered: 19 September 2025

Question

Callum Anderson

To ask the Chancellor of the Exchequer, what assessment her Department has made of the potential impact of allowing lenders to offer mortgages of over 4.5 times buyers’ income on the financial stability of mortgage lenders.

Answer

Lucy Rigby

The loan-to-income (LTI) flow limit restricts the share of new mortgages that lenders can issue at or above 4.5 times a borrower’s income. It is set by the Bank of England’s Financial Policy Committee (FPC), which is responsible for identifying and addres...

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