Table of Contents
Introduction and Abbreviations
Executive Summary
Background
Market Factors
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- Average house prices, non-mix-adjusted, mortgage completion stage, 1991-2001
- Average house prices, by region, non-mix-adjusted, 2001
- Number of property transactions, and as a proportion of owner-occupied housing stock, 1991-2001
- Headline consumer confidence and household finance (forward looking over 12 months), January 2000-January 2002
- Percentage workforce unemployed, annual average, 1997-2006
- PDI, savings and expenditure, at constant 1997 prices, 1997-2006
- RPI and RPIX, % annual change, 1995-2001
- Advance to income ratio, all buyers, 1991-2001
- Mortgage debt as a percentage of household disposable income, at current prices, 1991-2001
- Population projections aged 23-27, 2000-11
- Number of UK households and average household size, 1991-2005
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Market Size
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- Total number of households and mortgages at year end, UK, 1991-2001
- Proportion of owner-occupied housing stock, 1991-2001
- Lending secured on dwellings, balances outstanding, by main category of lender, 1995-2001
- Net and gross lending secured on dwellings, not seasonally adjusted, 1995-2001
- Bank base rate and building society average mortgage rate, 1990-2001
- Gross advances, by type of loan, 1995-2001
- Proportion of home loans made to first-time buyers and former owner-occupiers, for house purchase only, 1995-2001
- Fixed versus variable rate lending, by number of loans and share of total lending, 1995-2001
- Repossessions and mortgages over 6 months in arrears, as a percentage of total mortgages, 1991-2001
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Market Structure and the Major Lenders
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- Market share of outstanding balances, by type of lender, 1995-2001
- Largest mortgage lenders, ranked by mortgage assets, 2000
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Product Development
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- Top ten mortgage lenders, by total annual interest payment on a £50,000 SVR mortgage, 1999-2001
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Distribution and Promotion
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- Percentage of mortgage lenders, with distribution channel types, June 2000
- Total advertising spend for mortgage products, by main type of outlet, 2001
- Top 15 advertisers in the mortgage market, 2000-01
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The Consumer
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- Ownership of selected financial products, 1999-2001
- Penetration of mortgages, by joint or sole ownership, and first-time buyers, 1999-2001
- Ownership of mortgage products, by gender and type of product, January 2002
- Ownership of mortgage products as a percentage of total sample, 2001-02
- Ownership of mortgage products, by age group, January 2002
- Ownership of mortgage products, by socio-economic group, January 2002
- Attitudes towards remortgaging and switching mortgage provider, 2001-02
- Attitudes towards remortgaging and switching mortgage provider, by socio-economic and demographic sub-group, January 2002
- Most important factors in choosing a mortgage provider, 2001-02
- Most important factors in choosing a provider, by socio-economic sub-group, January 2002
- Profile of potential owners of flexible mortgages, by socio-economic and demographic sub-group, January 2002
- Preferred distribution channel when arranging a mortgage, January 2002
- Preferred distribution channel when arranging a mortgage, January 2002
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The Future
Forecast
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- Forecast of Gross lending on dwellings, 2001-06
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