Mortgage lenders and home finance

MLAR deadline and reporting periods

Mortgage lenders and administrators return (MLAR)

What is MLAR?

The main return for firms that lend on, or administer, mortgages.

Who submits it, how often and when

Who submits it: Mortgage lenders, mortgage administrators and second charge lenders, plus peer to peer platform operators that facilitate home finance. Some sections apply only to firms meeting certain capital conditions. Mortgage brokers do not file it. They file the RMAR.
Frequency: Every 3 months. The fees and sale and rent back sections are once a year.
Reporting period: Periods end on your accounting reference date and every 3 months after it.
Deadline: 20 business days after the end of each period. The two yearly sections are due 30 business days after the period end

Worked example for your accounting reference date

With an accounting reference date of 31 March: your next MLAR periods end and are due as follows (worked out on 3 November 2026).

Period ending 31 December 2026, due 29 January 2027
Period ending 31 March 2027, due 28 April 2027
Period ending 30 June 2027, due 28 July 2027
Period ending 30 September 2027, due 28 October 2027

Dates skip weekends and England and Wales bank holidays where the deadline is counted in business days. Your own RegData schedule is the authority.

Where the rule comes from

Reporting frequencies are calculated from a firm's accounting reference date, unless indicated otherwise.

Source: SUP 16.12.18B and 16.12.18C (confidence: high)

Get your own MLAR dates

Enter your FRN and ARD and see every return that is likely to apply to your firm, with period ends and due dates for the next 12 months.

Build my reporting calendar

Want the wider picture? Read the full guide: FCA regulatory reporting deadlines 2026/27.

MLAR: common questions

Who has to submit MLAR?

Mortgage lenders, mortgage administrators and second charge lenders, plus peer to peer platform operators that facilitate home finance. Some sections apply only to firms meeting certain capital conditions. Mortgage brokers do not file it. They file the RMAR. Your firm's RegData schedule shows whether MLAR is on your list.

How often is MLAR submitted?

MLAR is submitted Every 3 months. The fees and sale and rent back sections are once a year.. Periods end on your accounting reference date and every 3 months after it.

What is the MLAR deadline?

The deadline is 20 business days after the end of each period. The two yearly sections are due 30 business days after the period end. Business-day deadlines skip weekends and England and Wales bank holidays. Source: SUP 16.12.18B and 16.12.18C. Confirm the date in your own RegData schedule.

Can I work out my MLAR dates automatically?

Yes. Enter your FRN and accounting reference date in the FCA regulatory reporting calendar and it will list your period ends and due dates for the next 12 months, with a calendar file you can download.

This page is a planning aid, not regulatory advice. Your firm's RegData schedule is the authority on which returns you must submit and when.