FG25/4: Amendments to PRA Rulebook and FCA Guidance concerning the de minimis threshold for the Loan to Income flow limit in mortgage lending

The Prudential Regulation Authority and the Financial Conduct Authority published Finalised Guidance FG25/4 on 08 July 2025. This document implements amendments to the PRA Rulebook and FCA Guidance regarding the de minimis threshold for the Loan to Income flow limit in mortgage lending. The regulatory changes follow a consultation period that opened on 03 April 2025 and closed on 08 May 2025.

United Kingdom

Financial Conduct Authority

Consultation opens

03/04/2025

Consultation closed

08/05/2025

Finalised Guidance published

08/07/2025