Mortgage Charter
This Charter sets out the standards lenders will adopt when helping their customers; signatories will provide borrowers with new flexibilities to manage their mortgage payments over a short period.
- From:
- HM Treasury
- Published
- 26 June 2023
- Last updated
-
2523MarchJuly20242025 — See all updates
Documents
Mortgage Charter
Ref: ISBN 978-1-916693-08-1
PDF, 663297 KB, 1314 pages
This file may not be suitable for users of assistive technology.
Request an accessible format.
If you use assistive technology (such as a screen reader) and need a version of this document in a more accessible format, please email digital.communications@hmtreasury.gov.uk. Please tell us what format you need. It will help us if you say what assistive technology you use.
Details
The government recognises that this is a concerning time for mortgage holders, and particularly those coming to the end of a fixed rate deal. High inflation harms everyone right across the economy, and the only way we can keep costs and mortgage rates down is to tackle the root causes of inflation.
However, as we have consistently shown through the pandemic, and the consequences of the war in Ukraine, we will always be on the side of households. That is why lenders, including the nation’s largest, the Financial Conduct Authority, UK Finance, the government and others including the Building Societies’ Association have come together to provide borrowers with this Mortgage Charter to give borrowers the necessary reassurance and support through these difficult times.
Updates to this page
Published 26 June 2023
Last updated 2523 MarchJuly 2024
+ show2025
href="#full-history">+ show all updates
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Sign up for emails or print this page
Update history
2025-12-19 09:55
Hanley Economic Building Society removed from list of signatories due to be added in error.
2025-07-23 15:19
Hanley Economic Building Society added to Lenders who have signed up to this Charter list in PDF and HTML.
2024-03-25 17:09
Perenna added
2024-01-15 11:34
Clarification added to footnote 4 in relation to customers approaching the end of a fixed rate.
2023-08-10 16:42
AIB Group (UK) plc, including AIB (NI) and Allied Irish Bank (GB) added
2023-07-31 15:55
Mansfield Building Society added.
2023-07-28 15:10
OSB Group, including Precise Mortgages and Kent Reliance added.
2023-07-25 09:44
Dudley Building Society added
2023-07-14 09:13
including Manchester Building Society
2023-07-10 09:59
Aldermore Bank, Monmouthshire Building Society and Newbury Building Society added.
2023-07-06 16:36
Teachers Building Society and Kensington Mortgage Company added
2023-07-05 17:17
Danske Bank and Metro Bank added
2023-07-04 17:02
Amending the details of TSB to include Whistletree subsidiary
2023-06-30 16:28
Lenders added: Bank of Ireland UK, Tipton & Coseley Building Society, United Trust Bank Limited.
2023-06-28 16:23
Earl Shilton Building Society added to list
2023-06-26 18:28
Co-Op Bank added to list
2023-06-26 16:28
First published.
Mortgage Charter
Ref: ISBN 978-1-916693-08-1
PDF, 663297 KB, 1314 pages
This file may not be suitable for users of assistive technology.
Request an accessible format.
If you use assistive technology (such as a screen reader) and need a version of this document in a more accessible format, please email digital.communications@hmtreasury.gov.uk. Please tell us what format you need. It will help us if you say what assistive technology you use.
Details
The government recognises that this is a concerning time for mortgage holders, and particularly those coming to the end of a fixed rate deal. High inflation harms everyone right across the economy, and the only way we can keep costs and mortgage rates down is to tackle the root causes of inflation.
However, as we have consistently shown through the pandemic, and the consequences of the war in Ukraine, we will always be on the side of households. That is why lenders, including the nation’s largest, the Financial Conduct Authority, UK Finance, the government and others including the Building Societies’ Association have come together to provide borrowers with this Mortgage Charter to give borrowers the necessary reassurance and support through these difficult times.
Updates to this page
Published 26 June 2023
Last updated 2523 MarchJuly 2024
+ show2025
href="#full-history">+ show all updates
-
Sign up for emails or print this page
Update history
2025-12-19 09:55
Hanley Economic Building Society removed from list of signatories due to be added in error.
2025-07-23 15:19
Hanley Economic Building Society added to Lenders who have signed up to this Charter list in PDF and HTML.
2024-03-25 17:09
Perenna added
2024-01-15 11:34
Clarification added to footnote 4 in relation to customers approaching the end of a fixed rate.
2023-08-10 16:42
AIB Group (UK) plc, including AIB (NI) and Allied Irish Bank (GB) added
2023-07-31 15:55
Mansfield Building Society added.
2023-07-28 15:10
OSB Group, including Precise Mortgages and Kent Reliance added.
2023-07-25 09:44
Dudley Building Society added
2023-07-14 09:13
including Manchester Building Society
2023-07-10 09:59
Aldermore Bank, Monmouthshire Building Society and Newbury Building Society added.
2023-07-06 16:36
Teachers Building Society and Kensington Mortgage Company added
2023-07-05 17:17
Danske Bank and Metro Bank added
2023-07-04 17:02
Amending the details of TSB to include Whistletree subsidiary
2023-06-30 16:28
Lenders added: Bank of Ireland UK, Tipton & Coseley Building Society, United Trust Bank Limited.
2023-06-28 16:23
Earl Shilton Building Society added to list
2023-06-26 18:28
Co-Op Bank added to list
2023-06-26 16:28
First published.
Details
The government recognises that this is a concerning time for mortgage holders, and particularly those coming to the end of a fixed rate deal. High inflation harms everyone right across the economy, and the only way we can keep costs and mortgage rates down is to tackle the root causes of inflation.
However, as we have consistently shown through the pandemic, and the consequences of the war in Ukraine, we will always be on the side of households. That is why lenders, including the nation’s largest, the Financial Conduct Authority, UK Finance, the government and others including the Building Societies’ Association have come together to provide borrowers with this Mortgage Charter to give borrowers the necessary reassurance and support through these difficult times.
Updates to this page
Sign up for emails or print this page
Update history
2025-12-19 09:55
Hanley Economic Building Society removed from list of signatories due to be added in error.
2025-07-23 15:19
Hanley Economic Building Society added to Lenders who have signed up to this Charter list in PDF and HTML.
2024-03-25 17:09
Perenna added
2024-01-15 11:34
Clarification added to footnote 4 in relation to customers approaching the end of a fixed rate.
2023-08-10 16:42
AIB Group (UK) plc, including AIB (NI) and Allied Irish Bank (GB) added
2023-07-31 15:55
Mansfield Building Society added.
2023-07-28 15:10
OSB Group, including Precise Mortgages and Kent Reliance added.
2023-07-25 09:44
Dudley Building Society added
2023-07-14 09:13
including Manchester Building Society
2023-07-10 09:59
Aldermore Bank, Monmouthshire Building Society and Newbury Building Society added.
2023-07-06 16:36
Teachers Building Society and Kensington Mortgage Company added
2023-07-05 17:17
Danske Bank and Metro Bank added
2023-07-04 17:02
Amending the details of TSB to include Whistletree subsidiary
2023-06-30 16:28
Lenders added: Bank of Ireland UK, Tipton & Coseley Building Society, United Trust Bank Limited.
2023-06-28 16:23
Earl Shilton Building Society added to list
2023-06-26 18:28
Co-Op Bank added to list
2023-06-26 16:28
First published.