Change of https://www.gov.uk/government/publications/mortgage-charter

Change description : 2025-12-19 09:55:00: Hanley Economic Building Society removed from list of signatories due to be added in error. [Policy papers and consultations]

Showing diff : 2025-08-07 16:20:01.638378522 +00:00..2025-12-19 09:56:05.637620636 +00:00

Policy paper

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
2319 JulyDecember 2025 — See all updates
This was published under the 2022 to 2024 Sunak Conservative government

Documents

Mortgage Charter

Ref: ISBN 978-1-916693-08-1

PDF, 297292 KB, 14 pages

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Mortgage Charter

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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 2319 JulyDecember 2025 + show all updates

  2. Hanley Economic Building Society added to Lenders who have signed up to this Charter list in PDF and HTML.

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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.