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SixthSense™

Mortgages
£2500

Content
  • Introduction & ScopeToggle
    • Report coverage
    • Definitions
    • Methodology
  • Report SummaryToggle
    • Mortgage ownership
    • The impact of the credit crunch
    • Motivations
    • Searching for new deals
    • The mortgage lifecycle
    • Financial risk
    • Market size and forecast
    • Lender competitive positions
  • The Consumer – Mortgages Owned Toggle
    • Four in 10 own a mortgage
    • Mis-selling hits the interest only sector of the market
    • Mortgage ownership becoming concentrated by age
    • Fixed rate the most popular type
    • One mortgage the norm for own house
    • The freedom to adjust
  • The Consumer – The Impact of the CrunchToggle
    • Tracker and fixed rate mortgages the focus of activity
    • Changing interest rates
  • The Consumer – What Motivates a BuyToggle
    • An Englishman’s home is his aspiration
    • Four cluster groups
    • Poorer adults use interest only mortgage to get on the housing ladder
    • Poorer mortgage holders miss interest rate cuts
    • What motivated the last mortgage buy
    • Remortgaging of growing importance
  • The Consumer – Searching for New DealsToggle
    • Mortgage holders looking to save money
    • Fees limit remortgaging activity
    • Inertia also limits competition
    • Agitators have the “youngest” mortgages
    • Information channels
    • Three main information channels
    • Remortgaging goes DIY
    • Knowledge of the mortgage product
    • A new opportunity
  • The Consumer – The Mortgage Life CycleToggle
    • A five year mortgage cycle
    • One in five mortgage holders don’t change
    • Agitators turn over their mortgage rapidly
    • Remortgaging – a once in a lifetime event?
    • Capital repayment and interest-only over the lifecycle
  • The Consumer – The Risks and VulnerabilitiesToggle
    • The problem
    • How much equity do mortgage holders hold in their homes?
    • An average of more than £100,000 in equity
    • One in 10 with little or no equity
    • Impact on future house prices
    • Financial stress and proposed affordability tests
    • Financial strain
    • Risk minimising actions taken by mortgage holders
  • Establishing Market SizeToggle
    • Bust follows boom
    • A subdued market but activity at the top
    • And the position in 2010 suggests 2011 may not see a major recovery
    • House purchase mortgages slump in the crunch
    • Over 1 trillion owed on mortgages
  • Lender Competitive PositionsToggle
    • Market shares
  • BrandscapeToggle
    • New kid on the block
    • Are banks loosening the purse strings?
    • A scramble for market share might be opening the banks’ wallets
    • Lending criteria eases but banks remain cautious
    • Lenders target the remortgage market
    • Droplock mortgages: preventing churn
    • Loyalty mortgages
    • Interest-only deals are harder to find on the high street?
    • And in private banks?
    • Lenders start to look at first time buyers
  • The FutureToggle
    • Short-term outlook
    • End of the Special Liquidity Scheme
    • Will the Mortgage Market Review damage the market?
    • New rules on mortgage sales
    • An end to high loan-to-value mortgages
    • Could repossessions rise in 2011/2012?
    • Will the competitive landscape be re-shaped?
  • AppendixToggle
    • Consumer and demographic tables
  • DownloadsToggle
    • Datasheet
    • Report PDF
    • Questionnaire
    • Updates
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LATEST RESEARCH | 24 May 2013
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