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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.

Updates to this page

From:
HM Treasury
Published:
26 June 2023
Last updated:
19 December 2025
Show all updates

  1. Hanley Economic Building Society removed from list of signatories due to be added in error.

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

  3. Perenna added

  4. Clarification added to footnote 4 in relation to customers approaching the end of a fixed rate.

  5. Spring Financial Group Limited, including MPowered Mortgages, added

  6. AIB Group (UK) plc, including AIB (NI) and Allied Irish Bank (GB) added

  7. Mansfield Building Society added.

  8. OSB Group, including Precise Mortgages and Kent Reliance added.

  9. Dudley Building Society added

  10. including Manchester Building Society

  11. Aldermore Bank, Monmouthshire Building Society and Newbury Building Society added.

  12. Teachers Building Society and Kensington Mortgage Company added

  13. Danske Bank and Metro Bank added

  14. Amending the details of TSB to include Whistletree subsidiary

  15. Lenders added: Bank of Ireland UK, Tipton & Coseley Building Society, United Trust Bank Limited.

  16. Earl Shilton Building Society added to list

  17. Co-Op Bank added to list

  18. First published.

This was published under the 2022 to 2024 Sunak Conservative government

Documents

Mortgage Charter

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

PDF, 292 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.

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