Information on modified affordability assessments - September 2026

FOI Release Date of Release:

Reference Case Number: FOI2026/01844

Freedom of Information: Right to know request:

The FCA announced the introduction of broader Modified Affordability Assessments (MAAs) on 21 July 2025.

For the two periods Q2 2025 and Q2 2026 :

  1. The number of lenders that have used MAAs.
  2. The number of MAA remortgage sales, broken down by interest rate type.
  3. The number of MAA remortgage sales, broken down by external and internal remortgagers.
  4. The average (median) LTV of these mortgages, broken down by external and internal remortgagers.
  5. The average (median) loan amount of these mortgages, broken down by external and internal remortgagers.
  6. The average (median) initial gross interest rate of these mortgages, broken down by external and internal remortgagers.
  7. The total number of regulated mortgage sales in each period.
  8. The total number of regulated remortgages sold in each period.
  9. How many FTB mortgages were advanced between 1 January 2019 and 30 June 2026? Please break down the answer by month.

FCA response:

Supporting document

FOI2026/01844 Annex A

More information

Freedom of information