FG26/11 & PS26/20: Finalised guidance and policy on loan-to-income lending ratio flow limits
The FCA and PRA have finalised replacement guidance and rules on loan-to-income (LTI) flow limits in mortgage lending, following an FPC recommendation. The new framework allows individual lenders to increase their share of high LTI lending above 15%, while aiming to maintain the aggregate flow at the 15% limit.
- Published
- 14 October 2026
- Consultation closes
- 1 July 2026
- Primary source
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