FOI - residential house purchases
Dear The Financial Conduct Authority,
Under the Freedom of Information Act, please could you provide me
with information for each postcode area in the UK:
• Total number of loans for residential house purchases
• Total number of loans for residential house purchases for first time
buyers
• Total number of loans for residential house purchases for first time
buyers that are at 70% to 75% LTV
• Total number of loans for residential house purchases for first time
buyers that are at 75% to 80% LTV
• Total number of loans for residential house purchases for first time
buyers that are at 80% to 85% LTV
• Total number of loans for residential house purchases for first time
buyers that are at 85% to 90% LTV
• Total number of loans for residential house purchases for all buyers
that are at 90% to 95% LTV
• Total number of loans for residential house purchases for all buyers
that are at 95% LTV or higher
• Total number of loans for residential house purchases for first time
buyers that are at 4 times income or above
• Total number of loans for residential house purchases for all buyers
that are at 4 times income or above
• Total number of loans for residential house purchases for first time
buyers that are for terms of 30 years or more
• Total number of loans for residential house purchases for all buyers
that are for terms of 30 years or more
• Total number of loans for residential house purchases for first time
buyers that are for terms of 35 years or more
• Total number of loans for residential house purchases for all buyers
that are for terms of 35 years or more
• Total number of loans for residential house purchases for first time
buyers that are at 4 times income or above, at 90% or higher LTV,
and for a term of 30 years or more.
• Total number of loans for residential house purchases for all buyers
that are at 4 times income or above, at 90% or higher LTV, and for a
term of 30 years or more.
Please could you provide the information as of the end of Q4 in each calendar year from 2018 to 2021.
Yours faithfully,
Adam Ada
Thank you for e-mailing the Financial Conduct Authority's Information
Disclosure Team.
This is an automatic acknowledgement to tell you that we have received
your email safely.
Please do not reply to this email.
We will be in touch in due course.
This communication and any attachments may contain personal information.
For more information about how and why we use personal information and who
to contact with any queries about this, please see our privacy notices:
FCA Privacy Notice (https://www.fca.org.uk/data-protection) and PSR
Privacy Notice
(https://www.psr.org.uk/cookies-privacy-a...).
This communication and any attachments contain information which is
confidential and may be subject to legal privilege. It is for intended
recipients only. If you are not the intended recipient you must not copy,
distribute, publish, rely on or otherwise use it without our consent. Some
of our communications may contain confidential information which it could
be a criminal offence for you to disclose or use without authority. If you
have received this email in error please notify [email address]
immediately and delete the email from your computer. Further information
on the classification and handling of FCA information can be found on the
FCA website
(http://www.fca.org.uk/site-info/legal/fc...).
The FCA (or, if this email originates from the Payment Systems Regulator
Limited, the FCA on behalf of the Payment Systems Regulator Limited / the
Payment Systems Regulator Limited) reserves the right to monitor all email
communications for compliance with legal, regulatory and professional
standards.
This email is not intended to nor should it be taken to create any legal
relations or contractual relationships. This email has originated from the
Financial Conduct Authority (FCA), or the Payment Systems Regulator
Limited.
The Financial Conduct Authority (FCA) is registered as a limited company
in England and Wales No. 1920623. Registered office: 12 Endeavour Square,
Stratford, London, E20 1JN, United Kingdom
The Payment Systems Regulator Limited is registered as a limited company
in England and Wales No. 8970864. Registered office: 12 Endeavour Square,
Stratford, London, E20 1JN, United Kingdom
Switchboard 020 7066 1000
Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment
Systems Regulator Limited)
Our ref: FOI8995
Dear Mr Ada
Freedom of Information: Right to know request
Thank you for your email of 30 January 2022, in which you asked for information relating to residential house purchases for each calendar year 2018 to 2021. Full details of your request can be found in Annex A below.
We have processed your email in line with the provisions of the Freedom of Information Act 2000 (FOIA) and our response is below.
We can confirm that we hold the requested information, which is set out in the attached spreadsheet. When considering this information, please note the following:
• data only includes sales of mortgages to first-time buyers, home movers, and tenants of councils/registered social landlords exercising their right to buy;
• sales to internal/external remortgagers have been excluded from the data;
• sales of further advances, second charge mortgages and lifetime mortgages have been excluded from the data.
Your right to complain under FOIA
If you are unhappy with this response, you have the right to request an internal review. To do so, please contact us within 40 working days of the date of this response at [email address].
If you are not content with the outcome of the internal review, you also have a right of appeal to the Information Commissioner by phone or on their website at:
Telephone: 0303 123 1113
Website: www.ico.org.uk
Yours sincerely
Information Disclosure Team
Financial Conduct Authority
Annex A
[P]lease could you provide me with information for each postcode area in the UK:
• Total number of loans for residential house purchases
• Total number of loans for residential house purchases for first time buyers
• Total number of loans for residential house purchases for first time buyers that are at 70% to 75% LTV
• Total number of loans for residential house purchases for first time buyers that are at 75% to 80% LTV
• Total number of loans for residential house purchases for first time buyers that are at 80% to 85% LTV
• Total number of loans for residential house purchases for first time buyers that are at 85% to 90% LTV
• Total number of loans for residential house purchases for all buyers that are at 90% to 95% LTV
• Total number of loans for residential house purchases for all buyers that are at 95% LTV or higher
• Total number of loans for residential house purchases for first time buyers that are at 4 times income or above
• Total number of loans for residential house purchases for all buyers that are at 4 times income or above
• Total number of loans for residential house purchases for first time buyers that are for terms of 30 years or more
• Total number of loans for residential house purchases for all buyers that are for terms of 30 years or more
• Total number of loans for residential house purchases for first time buyers that are for terms of 35 years or more
• Total number of loans for residential house purchases for all buyers that are for terms of 35 years or more
• Total number of loans for residential house purchases for first time buyers that are at 4 times income or above, at 90% or higher LTV, and for a term of 30 years or more.
• Total number of loans for residential house purchases for all buyers that are at 4 times income or above, at 90% or higher LTV, and for a term of 30 years or more.
Please could you provide the information as of the end of Q4 in each calendar year from 2018 to 2021.
This communication and any attachments may contain personal information. For more information about how and why we use personal information and who to contact with any queries about this, please see our privacy notices: FCA Privacy Notice (https://www.fca.org.uk/data-protection) and PSR Privacy Notice (https://www.psr.org.uk/cookies-privacy-a...).
This communication and any attachments contain information which is confidential and may be subject to legal privilege. It is for intended recipients only. If you are not the intended recipient you must not copy, distribute, publish, rely on or otherwise use it without our consent. Some of our communications may contain confidential information which it could be a criminal offence for you to disclose or use without authority. If you have received this email in error please notify [email address] immediately and delete the email from your computer. Further information on the classification and handling of FCA information can be found on the FCA website (http://www.fca.org.uk/site-info/legal/fc...).
The FCA (or, if this email originates from the Payment Systems Regulator Limited, the FCA on behalf of the Payment Systems Regulator Limited / the Payment Systems Regulator Limited) reserves the right to monitor all email communications for compliance with legal, regulatory and professional standards.
This email is not intended to nor should it be taken to create any legal relations or contractual relationships. This email has originated from the Financial Conduct Authority (FCA), or the Payment Systems Regulator Limited.
The Financial Conduct Authority (FCA) is registered as a limited company in England and Wales No. 1920623. Registered office: 12 Endeavour Square, Stratford, London, E20 1JN, United Kingdom
The Payment Systems Regulator Limited is registered as a limited company in England and Wales No. 8970864. Registered office: 12 Endeavour Square, Stratford, London, E20 1JN, United Kingdom
Switchboard 020 7066 1000
Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment Systems Regulator Limited)
Dear Freedom of Information,
I'm afraid I cannot make out any coherent information in the attachment you sent. Please see the first few lines of the attachment which I have copied and pasted below - the rest of it continues in the same way.
Please resend in a format that is accessible and can be read.
FIRST FEW LINES OF FCA ATTACHMENT:
Total number of mortgage sales: residential house purchases only (see notes at foot of table for details of inclusions and exclusions),,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
,,Total residential house purchases,,,,First-time buyers,,,,First-time buyers: 70 - <75% LTV,,,,First-time buyers: 75 - <80% LTV,,,,First-time buyers: 80 - <85% LTV,,,,First-time buyers: 85 - <90% LTV,,,,All buyers: 90 - <95% LTV,,,,All buyers: >95% LTV,,,,First-time buyers: LTI >=4,,,,All buyers: LTI >=4,,,,First-time buyers: term >=30 years,,,,All buyers: term >=30 years,,,,First-time buyers: term >=35 years,,,,All buyers: term >=35 years,,,,"First-time buyers: term >=30 yrs, LTI >=4, LTV >=90%",,,,"All buyers: term >=30 yrs, LTI >=4, LTV >=90%",,,
,Postcode area,2018,2019,2020,2021,2018,2019,2020,2021,2018,2019,2020,2021,2018,2019,2020,2021,2018,2019,2020,2021,2018,2019,2020,2021,2018,2019,2020,2021,2018,2019,2020,2021,2018,2019,2020,2021,2018,2019,2020,2021,2018,2019,2020,2021,2018,2019,2020,2021,2018,2019,2020,2021,2018,2019,2020,2021,2018,2019,2020,2021,2018,2019,2020,2021
,AB,"5,651","5,835","4,864","6,732","2,915","2,952","2,563","3,327",192,199,279,289,273,296,449,450,513,488,537,572,596,604,434,625,782,882,362,766,159,261,82,193,663,574,487,674,"1,130","1,009",855,"1,232","1,466","1,499","1,243","1,736","2,292","2,383","1,964","2,803",697,720,553,840,969,"1,058",816,"1,248",85,82,27,74,131,136,60,123
,AL,"2,780","2,792","2,718","3,693","1,098","1,116","1,105","1,404",87,88,110,136,125,126,154,188,88,88,139,171,185,170,203,294,319,359,226,229,47,74,42,33,594,594,598,790,"1,337","1,326","1,397","1,911",704,700,685,863,"1,317","1,334","1,324","1,719",394,416,414,512,619,674,693,852,107,126,75,78,129,180,107,106
,B,"18,900","18,713","14,810","19,730","9,819","9,704","7,420","9,691",625,614,482,689,"1,221","1,159",957,"1,221","1,020",969,930,"1,424","1,747","1,568","1,624","2,297","3,761","3,774","2,229","2,433",875,"1,139",587,429,"3,477","3,618","2,903","3,904","6,093","6,152","5,215","7,362","5,611","5,841","4,550","5,995","8,622","8,988","7,357","9,839","2,967","3,414","2,741","3,589","4,181","4,800","4,027","5,282",707,884,506,594,931,"1,149",679,743
,BA,"5,031","4,681","4,395","5,839","2,138","1,994","1,825","2,300",138,130,158,169,293,209,219,305,205,164,194,288,331,311,344,452,745,776,565,521,189,203,135,92,"1,010",947,874,"1,083","2,057","1,963","1,787","2,492","1,374","1,323","1,185","1,513","2,277","2,180","2,063","2,750",824,861,732,955,"1,159","1,227","1,087","1,505",243,261,176,163,305,347,227,215
,BB,"4,872","5,061","4,407","6,101","2,428","2,583","2,197","3,020",143,134,141,160,303,289,272,320,191,226,254,414,437,384,503,755,"1,229","1,351",838,"1,126",349,466,266,217,367,416,360,576,695,733,715,"1,124","1,097","1,308","1,097","1,723","1,742","2,049","1,826","2,767",560,743,595,976,798,"1,036",874,"1,399",68,110,62,101,101,154,91,131
,BD,"5,737","5,931","4,918","6,437","2,997","3,129","2,559","3,352",158,198,177,171,383,382,281,406,286,318,330,515,554,552,595,859,"1,397","1,390",906,"1,051",385,487,230,200,626,664,607,876,"1,121","1,143","1,080","1,583","1,680","1,730","1,382","1,898","2,499","2,610","2,152","2,984","1,003","1,033",829,"1,150","1,330","1,393","1,161","1,617",138,155,111,142,204,210,142,189
,BH,"6,208","5,980","5,695","7,576","2,663","2,539","2,325","2,727",161,157,196,221,303,301,329,386,279,253,270,373,519,431,471,587,955,995,624,642,181,275,140,104,"1,629","1,577","1,378","1,581","3,343","3,185","2,968","3,897","1,782","1,745","1,570","1,806","3,068","3,012","2,831","3,472","1,101","1,122","1,022","1,207","1,651","1,752","1,616","1,959",412,463,262,217,502,592,334,280
,BL,"3,854","3,870","3,301","4,242","1,919","1,945","1,624","2,081",84,88,91,119,197,164,161,227,186,184,207,273,349,323,382,534,997,"1,018",654,706,285,358,193,124,386,428,384,564,673,716,712,"1,027","1,024","1,041",887,"1,239","1,587","1,663","1,455","2,032",544,581,491,715,747,846,732,"1,068",91,123,68,97,133,158,98,122
Yours sincerely,
Adam Ada
Thank you for e-mailing the Financial Conduct Authority's Information
Disclosure Team.
This is an automatic acknowledgement to tell you that we have received
your email safely.
Please do not reply to this email.
We will be in touch in due course.
This communication and any attachments may contain personal information.
For more information about how and why we use personal information and who
to contact with any queries about this, please see our privacy notices:
FCA Privacy Notice (https://www.fca.org.uk/data-protection) and PSR
Privacy Notice
(https://www.psr.org.uk/cookies-privacy-a...).
This communication and any attachments contain information which is
confidential and may be subject to legal privilege. It is for intended
recipients only. If you are not the intended recipient you must not copy,
distribute, publish, rely on or otherwise use it without our consent. Some
of our communications may contain confidential information which it could
be a criminal offence for you to disclose or use without authority. If you
have received this email in error please notify [email address]
immediately and delete the email from your computer. Further information
on the classification and handling of FCA information can be found on the
FCA website
(http://www.fca.org.uk/site-info/legal/fc...).
The FCA (or, if this email originates from the Payment Systems Regulator
Limited, the FCA on behalf of the Payment Systems Regulator Limited / the
Payment Systems Regulator Limited) reserves the right to monitor all email
communications for compliance with legal, regulatory and professional
standards.
This email is not intended to nor should it be taken to create any legal
relations or contractual relationships. This email has originated from the
Financial Conduct Authority (FCA), or the Payment Systems Regulator
Limited.
The Financial Conduct Authority (FCA) is registered as a limited company
in England and Wales No. 1920623. Registered office: 12 Endeavour Square,
Stratford, London, E20 1JN, United Kingdom
The Payment Systems Regulator Limited is registered as a limited company
in England and Wales No. 8970864. Registered office: 12 Endeavour Square,
Stratford, London, E20 1JN, United Kingdom
Switchboard 020 7066 1000
Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment
Systems Regulator Limited)
Dear Mr Ada
Please see attached new copy of the information sent. We have checked the original attachment and are unable to work out why it is not displaying correctly for you. We trust this new copy will open as intended. However, if you are still having trouble, please send us an alternative email address to where we can send the information to you instead.
Yours sincerely
Information Disclosure Team
Dear Freedom of Information,
This version is also not displaying in a readable format.
Please send the response to: [email address]
Yours sincerely,
Adam Ada
Thank you for e-mailing the Financial Conduct Authority's Information
Disclosure Team.
This is an automatic acknowledgement to tell you that we have received
your email safely.
Please do not reply to this email.
We will be in touch in due course.
This communication and any attachments may contain personal information.
For more information about how and why we use personal information and who
to contact with any queries about this, please see our privacy notices:
FCA Privacy Notice (https://www.fca.org.uk/data-protection) and PSR
Privacy Notice
(https://www.psr.org.uk/cookies-privacy-a...).
This communication and any attachments contain information which is
confidential and may be subject to legal privilege. It is for intended
recipients only. If you are not the intended recipient you must not copy,
distribute, publish, rely on or otherwise use it without our consent. Some
of our communications may contain confidential information which it could
be a criminal offence for you to disclose or use without authority. If you
have received this email in error please notify [email address]
immediately and delete the email from your computer. Further information
on the classification and handling of FCA information can be found on the
FCA website
(http://www.fca.org.uk/site-info/legal/fc...).
The FCA (or, if this email originates from the Payment Systems Regulator
Limited, the FCA on behalf of the Payment Systems Regulator Limited / the
Payment Systems Regulator Limited) reserves the right to monitor all email
communications for compliance with legal, regulatory and professional
standards.
This email is not intended to nor should it be taken to create any legal
relations or contractual relationships. This email has originated from the
Financial Conduct Authority (FCA), or the Payment Systems Regulator
Limited.
The Financial Conduct Authority (FCA) is registered as a limited company
in England and Wales No. 1920623. Registered office: 12 Endeavour Square,
Stratford, London, E20 1JN, United Kingdom
The Payment Systems Regulator Limited is registered as a limited company
in England and Wales No. 8970864. Registered office: 12 Endeavour Square,
Stratford, London, E20 1JN, United Kingdom
Switchboard 020 7066 1000
Web Site http://www.fca.org.uk (FCA); http://www.psr.org.uk (the Payment
Systems Regulator Limited)
We work to defend the right to FOI for everyone
Help us protect your right to hold public authorities to account. Donate and support our work.
Donate Now