Mortgage Charter 2026
This Charter sets out the standards lenders will adopt when helping their customers; signatories will provide borrowers with additional flexibilities to manage their mortgage payments over a short period.
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The government recognises that families and businesses are worried about the impact of rising mortgage rates in response to the recent volatility in global markets, particularly those coming to the end of a fixed rate deal.
The UK’s mortgage market remains resilient, open and competitive across all major product types and segments, and significant protections remain in place for anyone worried about their mortgage payments. On 26 March 2026, the Chancellor met with lenders representing 75% of the market, alongside UK Finance, to discuss the outlook for mortgage rates in light of the conflict in Iran, and the practical support available to borrowers. Following this, mortgage lenders across the financial services industry have reaffirmed their commitment to the Mortgage Charter, supporting affected borrowers through this difficult period.