{"id":"PRA-POLICY","indicator":"PRA policy publication (hand-picked)","agency":"Prudential Regulation Authority (Bank of England)","release_title":"PS19/26 and SS2/26: High loan to income lending","release_number":"PS19/26; SS2/26","reference_period":"Published 14 October 2026","released":"2026-10-14","released_time":null,"source_url":"https://www.bankofengland.co.uk/prudential-regulation/publication/2026/october/high-loan-to-income-lending-policy-statement","related_urls":["https://www.bankofengland.co.uk/prudential-regulation/publication/2026/october/high-loan-to-income-lending-supervisory-statement","https://www.bankofengland.co.uk/financial-policy-committee-record/2026/september-2026","https://filingdelta.xyz/policy/BOE","https://filingdelta.xyz/bundle/CENTRALBANKS"],"next_release":null,"comparison_basis":"FilingDelta summary in our own words; no text is quoted. Read the linked PRA page for the official wording. Not affiliated with or endorsed by the Bank of England.","items":[{"id":1,"summary":"Individual mortgage lenders no longer face their own 15% ceiling on high loan-to-income loans. The 15% figure now works only as a market-wide limit, so one lender can go above it while the total stays consistent with it.","source":"https://www.bankofengland.co.uk/prudential-regulation/publication/2026/october/high-loan-to-income-lending-policy-statement"},{"id":2,"summary":"If the market-wide share drifts out of line with the 15% limit, lenders may be asked to bring their own share back down step by step rather than abruptly.","source":"https://www.bankofengland.co.uk/prudential-regulation/publication/2026/october/high-loan-to-income-lending-policy-statement"},{"id":3,"summary":"After feedback on the draft, each lender's share is now judged over four rolling quarters. The PRA still tracks the market-wide share one calendar quarter at a time.","source":"https://www.bankofengland.co.uk/prudential-regulation/publication/2026/october/high-loan-to-income-lending-policy-statement"},{"id":4,"summary":"The new supervisory statement SS2/26, in force from 28 October 2026, sets out what the PRA expects on governance and risk control for these loans. Its main expectations do not apply to small lenders below a £150 million or 300-mortgage threshold.","source":"https://www.bankofengland.co.uk/prudential-regulation/publication/2026/october/high-loan-to-income-lending-supervisory-statement"}],"generated_at":"2026-10-29T20:41:09.997Z"}