Housing tools revisited - speech by Jon Cunliffe

Given at Banco de Portugal conference on “Financial stability and macroprudential policy”, Lisbon.
Published on 03 July 2019

Jon Cunliffe assesses the Financial Policy Committee (FPC)’s policy on the housing and mortgage market. In particular, he looks at two tools - the loan to income flow limit and the affordability test for borrowers - which the committee introduced five years ago. And he examines the impact of the policy on household debt in the UK.

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Sir Jon Cunliffe's biography

Sir Jon Cunliffe

Former Deputy Governor, Financial Stability from 2013 to 2023

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