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ARTICLE · 22 AUGUST 2025

Mortgage Reforms To Boost Sustainable Home Ownership And Access

Addleshaw Goddard
Addleshaw Goddard
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Addleshaw Goddard

Addleshaw Goddard

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Last month was significant for developments in financial services with the announcement of the Leeds Reforms and the Chancellor's Mansion House speech.

United KingdomFinance and Banking
Rosanna Bryant
Rosanna Bryant
Clare Hughes
Clare Hughes
Sophie Skelton
Sophie Skelton
Jennifer Irving
Jennifer Irving
Heather Ibbotson
Heather Ibbotson

Last month was significant for developments in financial services with the announcement of the Leeds Reforms and the Chancellor's Mansion House speech. The Leeds Reforms mentioned radical changes in the UK mortgage regime to facilitate sustainable home ownership and enhance access for mortgage borrowers in line with the Government's growth agenda for financial services. In this issue we discuss some of these reforms and relevant considerations for firms to assess how these changes may impact their systems and processes for mortgage lending.

On 15 July, HM Treasury announced Leeds Reforms which represent the most comprehensive overhaul of the UK financial system in over a decade, with the aim of making the UK the leading global destination for financial services by 2035. The reforms include radical changes in the UK mortgage regime to facilitate sustainable home ownership and enhance access for mortgage borrowers in line with the Government's growth agenda for

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