Table of Contents
Introduction and Abbreviations
Executive Summary
Market Background
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- Figure 1: Gross PDI, and PDI per capita, 1990-2003
- Figure 2: Population of the UK, by age group, 1997-2003
- Figure 3: Mortgage interest rates and bank base rates, 1988-99*
- Figure 4: Bank base rates and gross mortgage lending, 1991-98
- Figure 5: Consumer confidence within the UK, by income band, 1997-99
- Figure 6: Property transactions, by quarter, 1996-98
- Figure 7: Index of property transactions by quarter, split by property value, 1996-98
- Figure 8: Number of property transactions by property value, 1996-98
- Figure 9: Average property price, 1996-98
- Figure 10: Average property prices on mortgage completion, 1988-98
- Figure 11: Average property prices on mortgage completion, indexed to 1987, by selected region, 1987-97
- Figure 12: MIRAS, cost, beneficiaries and average MIRAS payment, 1987-98
- Figure 13: Stamp Duty rates, 1997-2000
- Figure 14: Net receipts of Stamp Duty, 1992-98
- Figure 15: Selection of incentivised offers within the mortgage market, February 1999*
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Market Size
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- Figure 16: Penetration of mortgages, ownership of property outright, and new mortgagees*, 1989-98
- Figure 17: Net and gross lending secured on dwellings, 1991-98
- Figure 18: Gross advances, split by type of lender, 1994-98
- Figure 19: Net advances by type of lender, 1991-98
- Figure 20: Volume and value of overall approvals for house purchase, 1992-98
- Figure 21: Bank approvals, value of loans and number of loans approved, 1998*
- Figure 22: Bank approvals, by value, split by purpose of loan, by month, 1997-98
- Figure 23: Bank approvals, split by purpose of loan, by percentage of all bank approvals, by month, 1997-99
- Figure 24: Mortgage book, volumes outstanding and number of mortgages, 1990-98
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Major Players
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- Figure 33: Top ten mortgage providers in the UK, by residential mortgage assets, 1997*
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Consumer Research
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- Figure 34: Penetration of selected financial products, by gender, January 1999
- Figure 35: Penetration of mortgage products, by type, by gender, January 1999
- Figure 36: Penetration of mortgage products, by type, by age, January 1999
- Figure 37: Penetration of mortgage products, by lifestage, January 1999
- Figure 38: Penetration of mortgage products, by type, by socio-economic group, January 1999
- Figure 39: Penetration of mortgage products, by television area, by type of mortgage, January 1999
- Figure 40: Changed mortgage, considering changing, or have changed their mortgage provider, by gender, age, socio-economic group and television area, January 1999
- Figure 41: Consumer preferences to distribution channel, January 1999
- Figure 42: Consumer preferences for mortgage distribution channel, by product ownership, January 1999
- Figure 43: Consumer distribution channel preference for arranging mortgage or re-mortgage, by gender, age, socio-economic group, January 1999
- Figure 44: Level of agreement with the statement "It is important to get good financial advice before arranging a mortgage", by gender, age and socio-economic group, January 1999
- Figure 45: Level of agreement/disagreement with "It makes more financial sense to buy a home with a mortgage than to rent", by gender, age, socio-economic group, January 1999
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Conclusions
The Future
Forecast
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- Figure 46: Forecast of the gross mortgage market, 1998-2003
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