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Plan to exempt more UK lenders from mortgage flow limit published

( April 3, 2025, 10:05 GMT | Official Statement) -- MLex Summary: The UK Prudential Regulation Authority and Financial Conduct Authority today set out details of a proposal to exempt more small lenders from its loan to income flow limit. The LTI flow limit requires lenders to limit the number of new residential mortgages with an LTI at 4.5 or above to no more than 15 percent of their total mortgage book. Currently small lenders with less than 100 million pounds of mortgages are exempt from the limit. The consultation today proposes raising that threshold to 150 million pounds. The PRA said the change, recommended by the Financial Policy Committee in November, would boost competitiveness and growth. Statement below, consultation attached. ...

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