Independent Financial Services
Mortgage Income Multiples in 2026: What the New PRA and FCA Rules Mean for Buyers
New PRA and FCA rules took effect on 28 October 2026. Learn what changes to mortgage income multiples mean for first-time buyers and affordability.
TLA Finance Ltd is registered in England and Wales no. 04759274.
Registered office, 166 College Road, Harrow, Middlesex, HA1 1BH.
Authorised and regulated by the Financial Conduct Authority. TLA Finance Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference FCA: 304214.
We are a credit broker, not a lender. We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.
If you wish to register a complaint, please write to info@tlafinance.com or telephone 01494 325 625.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
Your home may be repossessed if you do not keep up repayments on your mortgage.
© 2026 TLA FINANCE LTD.