Table of Contents
Introduction and Abbreviations
Executive Summary
Market Factors
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- Real house prices, 1970-2000
- Average house prices, by region, fourth quarter of 2000
- Property transactions in England & Wales, 1970-2000
- Real disposable income and real house prices, 1970-2000
- Real households' disposable income, 1995-2005
- House price to earnings ratio, 1970-2000
- Initial mortgage repayment to earnings ratio, first-time buyers, 1970-2000
- Mortgage debt to households' disposable income, 1975-2000
- Mortgage debt to value of owner-occupied housing stock, 1975-2000
- Proportion of the UK population aged 23-27, 1985-2010
- Number and size of households in England & Wales, 1971-2011
- Changes in provision of MITR, 1975-2000
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Market Size
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- Proportion of owner-occupied housing stock, 1980-98
- Total mortgage debt and annual growth rate, 1980-2000
- Net and gross lending secured on dwellings, 1995-2000
- Gross advances, by type of loan, 1994-2000
- Fixed versus variable rate lending, by number of loans and share of total lending, 1994-2000
- Lending secured on dwellings, balances outstanding, 1995-2000
- Building society mortgage and savings rate, 1985Q1-2000Q3
- Building society average and basic mortgage rates, 1993Q1-2000Q3
- Mortgage spreads (basic mortgage rates minus base rates), 1996Q1-2000Q3
- Repossessions and mortgages over six months in arrears as a percentage of total mortgages, 1986-2000
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Distribution
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- Percentage of mortgage stock arranged via the branch network, 1996-2000
- Mortgage providers, by type of distribution channel, June 2000
- Mortgage lending by distribution channel, by volume and value of total lending, first half of 2000
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The Key Players
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- Largest lenders, ranked by residential mortgage assets, 1999
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The Consumer
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- Ownership of selected financial products, by gender, January 2001
- Ownership of mortgage products, by type, January 2001
- Ownership of mortgage products, by age, January 2001
- Ownership of mortgage products, by lifestage, January 2001
- Ownership of mortgage products, by socio-economic group, January 2001
- Attitudes towards remortgaging and switching mortgage provider, by demographic sub-group, January 2001
- Most important factors in choosing a mortgage provider, January 2001
- Profile of potential owners of flexible mortgages, by socio-demographic characteristics, January 2001
- Most important factors in choosing a provider, by socio-economic group, January 2001
- Proportion of respondents who would not consider arranging a mortgage, by age and gender, January 2001
- Consumer preferences of distribution channel in arranging a mortgage, January 2001
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The Future
Conclusion
Forecast
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- Forecast of the mortgage market, by balances outstanding, 2000-05
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