Mortgage Lending in the UK - Key Trends and Opportunities to 2020
Table of Contents
1 Executive Summary
2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology
3 Market Analysis
3.1 Gross Lending
3.1.1 By lender
3.1.2 By purpose
3.2 Outstanding Loans
3.3 Repayments
3.4 Net Lending
3.5 Mortgage Approvals
3.5.1 By value
3.5.2 By volume
3.5.3 Loan-to-value ratio
3.6 Mortgage Arrears
3.7 Interest Rates
3.8 Buy-to-Let Mortgages
3.9 First-Time Buyers
3.10 Mortgage Market Summary
4 Market Outlook
4.1 Forecasts
5 Economic Backdrop
5.1 Housing market
5.2 Real GDP growth
5.3 Labor Market Conditions
5.4 Central Bank Rate
5.5 Consumer Confidence
5.6 Inflation
6 Competitive Landscape
6.1 Market Shares
6.2 Mortgage Interest Rates
6.3 Mortgage Innovation
7 Regulation and Policy
7.1 Recent Changes
7.1.1 Help-to-Buy
7.1.2 MMR
7.2 Upcoming Regulations
7.2.1 Mortgage Credit Directive
7.2.2 Basel III
8 Deals
8.1 Zopa partners with Metro Bank
8.2 Nationwide Building Society Prices Offering of USD1.12 Billion Bond Due 2018
8.3 OneSavings Bank Acquires Portfolio of UK Second-Charge Mortgages
8.4 Legal & General to Acquire 100% Stake in New Life Home Finance
9 News
9.1 Nationwide: Strong Products and Customer Service Deliver Best Ever Results
9.2 Axis Bank to Launch Buy-to-Let Mortgage Product in UK
9.3 UK House Price Expectations fall to 18-Month Low: Knight Frank
10 UK Retail Banks
10.1 Barclays Plc - Company Overview
10.1.1 Barclays Plc - profile
10.1.2 Barclays PLC - main savings products
10.1.3 Barclays Plc - main competitors
10.1.4 Barclays Plc - board of directors
10.2 HSBC Plc - Company Overview
10.2.1 HSBC Bank Plc - profile
10.2.2 HSBC Bank Plc - main savings products
10.2.3 HSBC Bank Plc - main competitors
10.2.4 HSBC Bank Plc - board of directors
10.3 Lloyds Banking Group Plc - Company Overview
10.3.1 Lloyds Banking Group Plc - profile
10.3.2 Lloyds Banking Group Plc - main savings products
10.3.3 Lloyds Banking Group Plc - main competitors
10.3.4 Lloyds Banking Group - board of directors
10.4 National Savings and Investments - Company Overview
10.4.1 National Savings and Investments - profile
10.4.2 National Savings and Investments - main savings products
10.4.3 National Savings and Investments - main competitors
10.4.4 National Savings and Investments - board of directors
10.5 Nationwide Building Society - Company Overview
10.5.1 Nationwide Building Society - profile
10.5.2 Nationwide Building Society - main savings products
10.5.3 Nationwide Building Society - main competitors
10.5.4 Nationwide Building Society - board of directors
10.6 Santander UK Plc - Company Overview
10.6.1 Santander UK Plc - profile
10.6.2 Santander UK Plc - main savings products
10.6.3 Santander UK Plc - main competitors
10.6.4 Santander UK Plc - board of directors
10.7 The Royal Bank of Scotland Group - Company Overview
10.7.1 The Royal Bank of Scotland Group Plc - profile
10.7.2 The Royal Bank of Scotland Group Plc - main savings products
10.7.3 The Royal Bank of Scotland Group Plc - main competitors
10.7.4 The Royal Bank of Scotland Group Plc - board of directors
11 Statistics
11.1 Forecast Period: 2014-2018
12 Appendix
12.1 Methodology
12.2 Contact Timetric
12.3 About Timetric
12.4 Timetric's Services
12.5 Disclaimer
List of Tables
Table 1: Mortgage Market Definitions
Table 2: The UK - Mortgage Market Summary (GBP Billion), 2009-2013
Table 3: The UK Mortgage Market - Competitor APR (%), Financial Year 2014/15
Table 4: Recent and Upcoming Regulatory Changes
Table 5: Barclays Plc, Key Facts
Table 6: Barclays Plc, Main Savings Products
Table 7: Barclays Plc, Board of Directors
Table 8: HSBC Bank Plc, Key Facts
Table 9: HSBC Bank Plc, Main Savings Products
Table 10: HSBC Bank Plc, Board of Directors
Table 11: Lloyds Banking Group Plc, Key Facts
Table 12: Lloyds Banking Group Plc, Main Products
Table 13: Lloyds Banking Group Plc, Board of Directors
Table 14: National Savings and Investments, Key Facts
Table 15: National Savings and Investments, Main Products
Table 16: National Savings and Investments, Board of Directors
Table 17: Nationwide Building Society, Key Facts
Table 18: Nationwide Building Society, Main Products
Table 19: Nationwide Building Society, Board of Directors
Table 20: Santander UK Plc, Key Facts
Table 21: Santander UK Plc, Main Products
Table 22: Santander UK Plc, Board of Directors
Table 23: The Royal Bank of Scotland Group Plc, Key Facts
Table 24: The Royal Bank of Scotland Group Plc, Main Products
Table 25: The Royal Bank of Scotland Plc, Board of Directors
Table 26: The UK - Mortgages Market 2014-2018
List of Figures
Figure 1: UK Mortgages - Gross Lending (GBP Million), 2009-2014
Figure 2: UK Mortgages - Monthly Gross Lending (GBP Million), 2009-2015
Figure 3: UK Mortgages - Gross Lending by Lender (GBP Million), 2009-2014
Figure 4: UK Mortgages - Gross Lending by Purpose (%), 2012-2015
Figure 5: UK Mortgages - Breakdown of House Purchases Gross Lending (%), 2002-2015
Figure 6: UK Mortgages - Balance Outstanding (GBP Million), 2009-2015
Figure 7: UK Mortgages - Outstanding Mortgage Loan Accounts (Million), 2008-2014
Figure 8: UK Mortgages - Mortgage Repayments (GBP Million), 2009-2014
Figure 9: UK Mortgages - Monthly Repayments (GBP Million), 2009-2015
Figure 10: UK Mortgages - Net Lending (GBP Million), 2008-2014
Figure 11: UK Mortgages - Net Lending (GBP Million), 2009-2014
Figure 12: UK Mortgages - Approvals by Value (GBP Million), 2009-2014
Figure 13: UK Mortgages - Share of Value of Approvals by Purpose (%), 2014
Figure 14: UK Mortgages - Approvals by Volume 2009-2014
Figure 15: UK Mortgages - Volume and Value of Approvals, 2013-2015
Figure 16: UK Mortgages - Volume of Approvals by Purpose, 2014
Figure 17: UK Mortgages - Approvals by Loan-to-Value (%), 2008-2014
Figure 18: UK Mortgages - Outstanding Arrears Cases 2009-2014
Figure 19: The UK - Average Mortgage Interest Rates (Percentage, End-Year), 2009-2015
Figure 20: The UK - Average Mortgage Interest Rates (Percentage, End-Year), 2009-2015
Figure 21: The UK - First Time Buyer Number and Value of Loans 2009-2015
Figure 22: The UK - Regional House Prices (GBP), 2008-2014
Figure 23: UK Mortgages - Gross Lending (GBP Million), 2009-2020
Figure 24: UK Mortgages - Balances Outstanding (GBP Million), 2009-2020
Figure 25: The UK - Forecasted Mortgage Arrears, by Number, 2009-2020
Figure 26: The UK - Average House Price Growth Forecast, (%), 2014-2020
Figure 27: The UK - Average House Prices (GBP), 2005-2014
Figure 28: The UK - Average House Prices by Type of Buyer (GBP), 2008-2014
Figure 29: The UK - Annual House Price-to-Earnings Ratio (%), 2009-2015 Q1
Figure 30: The UK - Housing Construction Growth (%), 2007-2014
Figure 31: The UK - Real GDP Growth by Quarter (%), 2008-2014
Figure 32: The UK - Unemployment and Redundancy Rates (%), 2004-2014
Figure 33: The UK - Average Weekly Earnings - Total Pay (GBP), 2004-2014
Figure 34: The UK - Bank of England Rate (%), 2004-2015
Figure 35: The UK - Consumer Confidence Index
Figure 36: The UK - Consumer Price Inflation (%), 2009-2015
Figure 37: Mortgage Balances Outstanding - Market Shares of the Largest Mortgage Lenders in the UK (%), 2014
Figure 38: Mortgage Gross Lending - Market Shares of the Largest Mortgage Lenders in the UK (%), 2013
Figure 39:UK - Building Societies' Share of the Mortgage Market, 2010-2015
Figure 40: The UK - Banking Regulatory Framework
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