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UK Mortgages 2010: UK Mortgage Market in 2009 and Future Outlook
Datamonitor, March 2010, Pages: 48
The mortgage market experienced an extremely turbulent phase in the first half of 2009 in the wake of the credit crunch.. However, the first tentative signs of recovery started to emerge at the end of the year, and there will continue to be slow but steady improvement in 2010, as the supply of credit starts to ease and more competitive products are introduced by lenders.
Scope
- Describes the macroeconomic and regulatory environment in which the mortgage market operates.
- Analyses the influence of factors such as interest rates, funding issues, regulation and property prices upon the mortgage market.
- out The gross lending forecasts for the period 2010-2014.
Highlights of this title
The supply of mortgage credit remains constrained by the lack of wholesale funding, affecting specialist lenders particularly hard. The trade in mortgage-backed securities is only just starting to recover, and will only be able to provide limit support for the market in 2010.
Remortgaging activity will continue to be depressed by the low base rate, which is not expected to rise significantly in 2010. Until interest rates do increase appreciably, consumers will have little incentive to move off lenders' standard variable rates and onto new deals.
Despite a marginal improvement in the availability of higher loan-to-value products in recent months, first time buyers continue to find it very difficult to purchase properties. They either need to find large deposits, or rely on parental or other third party support to secure mortgage finance.
Key reasons to purchase this title
- Understand the key factors that will drive the mortgage market in 2010 and beyond.
- Assess the prospects for an increase in lending activity in 2010.
- Use The forecasts to help inform your future plans.
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UK Mortgages 2010: Arrears and Possessions
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