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In forceMortgage lendingLast checked 11 November 2026

Mortgage lenders and administrators return (MLAR)

A regulatory return listed by the Bank of England (PRA), banks, United Kingdom.

Provides prudential and conduct of business data on mortgage lending and administration to the PRA and the FCA: balance sheet, income, capital, new lending, arrears and mortgage administration. Source

Official title: MLAR, Mortgage Lenders and Administrators Return

The facts

Who files
Firms with permission for home finance administration or home finance providing activity (Regulated Activity Group 5), other than lead regulated firms (rule 11.1). Source
How often
Quarterly; sections J (fees and levies) and K (sale and rent back) annually (rule 11.2). Source
Deadline
20 business days after the quarter end; 30 business days for the annual sections J and K (rule 11.2). Source
Format
Other. The pages read do not state the submission channel or file format. Source
How it is filed
Filing routes recorded for the PRA: BEEDS (Bank of England Electronic Data Submission portal); RegData (Financial Conduct Authority). See how firms file with the PRA.
Status
In force
Legal basis
Group
Mortgage lending

Templates (12)

The tables and forms inside the return. Plain name first, the PRA's code in brackets.

  • Balance sheet (Section A1, A2)
  • Analysis of loans to customers (Section A3)
  • Income statement (Section B0, B1)
  • Provisions analysis (Section B2)
  • Capital adequacy (Section C)
  • Lending: business flow and rates (Section D)
  • Residential lending to individuals: new business profile (Section E)
  • Lending: arrears analysis (Section F)
  • Mortgage administration: business profile (Section G)
  • Mortgage administration: arrears analysis (Section H)
  • Fees and levies (Section J)
  • Sale and rent back (Section K)

Sections of the MLAR listed in rule 11.2. Source

Validation rules

No published validation rules were found for this return. Source

Public data

Published only added up across firms. The Bank and the FCA publish quarterly Mortgage Lenders and Administrators Statistics aggregated from MLAR data (around 340 lenders and administrators), about 2.5 months after each quarter end. Source

Where it is published (Web page and Excel summary and detailed tables)

  • Mortgage Lenders and Administrators Statistics

    Added up across firms · Web pages with summary and detailed Excel tables (mlar-longrun-summary.xlsx, mlar-longrun-detailed.xlsx)

    Quarterly statistical release, published jointly by the Bank and the FCA about 2.5 months after each quarter end, aggregated from MLAR returns of around 340 regulated mortgage lenders and administrators: balances, new advances and commitments, interest rates, lending criteria, impaired-credit lending, arrears and possessions. Latest read: 2026 Q2, published 8 September 2026. Source

Official documents (4)

The PRA's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

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Last checked 11 November 2026.