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市場調查報告書 - 208262

英國高額房屋貸款市場的動向

The High Value Mortgage Market in the UK

出版商 Datamonitor
出版日期 內容資訊 英文 fo Pages
價格
英國高額房屋貸款市場的動向 The High Value Mortgage Market in the UK
出版日期: 2011年07月28日 內容資訊: 英文 fo Pages
簡介

英國的高額抵押貸款市場在近年呈現顯著的成長。高額抵押貸款市場的利益高,且以低風險的借方和資產為對象,對貸方來說逐漸成為具吸引人的部門。

本報告,調查分析英國的高額房屋貸款市場,彙整市場規模、財富管理企業的調查結果、各種貸方的策略等,由下列摘要形式闡述。

概要

報告摘要

第1章 市場

  • 高額房屋貸款市場預期將持續成長
    • 收入10萬£以上的個人再度增加
    • 持有30萬£以上資產的消費者數大幅增加中
    • 對象消費者5人中有1人持有高額房屋貸款
  • 高額住宅資產需求的恢復力明顯
    • 居住海外的購買者增加,使得2010年高額不動產業績大幅恢復
    • 高額不動產業績的成長近期超越一般市場
    • 倫敦市內抗價格下滑
  • 高額房屋貸款的總貸款預期將持續成長
    • 高額房屋貸款市場預期在2010年將穩定成長
    • 高額房屋貸款在整體房屋貸款市場中的比例增加
  • Datamonitor預測今後5年間高額房屋貸款市場的貸款總額將穩定成長
    • 中立的預測來說,Datamonitor預測2015年高額房屋貸款總貸款額將達384億£
    • 樂觀預測來說,2015年高額房屋貸款總貸款額將達到459億£
    • 悲觀預測來說,2015年高額房屋貸款總貸款額將達到283億£

第2章 消費者

  • HNW消費者提示高額房屋貸款供應商明顯的展望
    • 足夠負擔房屋貸款的年輕NHW消費者為少數
    • 固定收入的高依賴度使房屋貸款提案較容易
    • 許多的HNW資產以易清算的資產而被持有,且可使用於房屋貸款的擔保
    • HNW客戶的房屋貸款需求比其他信用商品高
    • HNW消費者逐漸將房屋貸款完全視為自身財政的一部分
  • 高品牌忠誠度使獲得借方成為利益策略
    • 英國的HNW客戶對金融機關的忠誠度,平均來說算高
    • 英國的HNW消費者傾向集中產品組合於1家的金融機關
    • 根據消費者調查,個人HNW比其他族群樂觀

第3章 競爭企業

  • 私人銀行與大眾市場供應商的貸款方式不同
  • 現在各種貸方提供HNW的借方服務

第4章 銷售與品牌溝通

  • 英國的HNW消費者喜好以自己的想法接觸金融供應商
  • 仲介業者為高額房屋貸款的珍貴銷售管道

附錄

目錄

Description

Introduction

The high value mortgage market in the UK has exhibited strong growth in recent years, significantly outperforming the overall market. Lenders are becoming increasingly attracted to this sector, as it provides access to lucrative income streams, low risk borrowers, and their assets.

Features And Benefits

• Measures the size of the market for high value mortgages.
• Uses results from Datamonitor’s Global Wealth Managers Survey to assess the characteristics and behavior of high net worth consumers.
• Assesses the different strategies employed by lenders operating in the high value mortgage market.
• Describes the ways in which lenders and brokers can reach out to and service high value borrowers.

Highlights

The market for high value mortgages is growing, along with the number of high net worth individuals. Strong demand for high value properties helped to fuel a 41% increase in high value gross advances in 2010. Gross lending growth in this sector is predicted to comfortably outstrip growth in overall mortgage market over the next five years.

High net worth borrowers in the UK are an attractive target for lenders, as they possess substantial amounts of liquid assets that can be used as security. As such consumers prefer dealing with just one provider, there is a high probability that they will transfer their assets to their mortgage provider for wealth management purposes.

A variety of providers are now offering high value mortgages. Private banks are leading the way, with some focusing on providing a fully integrated and individually tailored lending and wealth management service. Mainstream providers still need to develop their offerings to accommodate the diverse needs of these borrowers.

Your Key Questions Answered

• What strategies should you employ to attract high value borrowers?
• How big is the market for high value mortgages?
• How quickly will high value lending increase over the next few years?

Table of Contents

Executive Summary

   Datamonitor predicts strong growth in high value gross lending over the next five years
      Datamonitor expects high value gross advances to rise to £38.4bn by 2015 under its neutral forecast
      The optimistic forecast sees high value gross lending reaching £45.9bn by 2015
      The pessimistic forecast predicts high value gross lending of £28.3bn by 2015
   HNW consumers represent a good prospect for high value mortgage providers
      Most HNW assets are held in easily liquidated assets which can be used as security for mortgages
   Private banks and mass market providers employ different approaches towards lending
      Private banks have plenty of experience in serving HNW borrowers
      Mainstream lenders' high value offerings are less well developed at present
      There is scope for lenders to bridge the gap between private banks and mainstream providers
   Intermediaries are a valuable distribution channel for high value mortgages
      Brokers play an important role in placing HNW clients with providers
OVERVIEW
   Catalyst
   Summary
MARKET
   The potential market for high value mortgages continues to grow
      The number of individuals with incomes in excess of £100,000 has returned to growth
      There has been a huge increase in the number of consumers with assets of £300,000 or more
      Around a fifth of eligible consumers currently have a high value mortgage
   Demand for high value residential property has proved resilient
      Overseas buyers helped to drive a significant recovery in high value property sales in 2010
      Growth in high value property sales has outstripped the general market in recent years
      Prices in parts of London have resisted the falls seen in the wider property market
   Prospects are good for continued growth in high value gross lending
      Gross advances in the high value mortgage market grew strongly in 2010
      High value loans are accounting for an increasing share of the overall mortgage market
   Datamonitor predicts strong growth in high value gross lending over the next five years
      Datamonitor expects high value gross advances to rise to £38.4bn by 2015 under its neutral forecast
      The optimistic forecast sees high value gross lending reaching £45.9bn by 2015
      The pessimistic forecast predicts high value gross lending of £28.3bn by 2015
CUSTOMERS
   HNW consumers represent a good prospect for high value mortgage providers
      Only a small proportion of HNW consumers are young enough for a mortgage
      A high reliance on regular income should make mortgage provision relatively straightforward
      Most HNW assets are held in easily liquidated assets which can be used as security for mortgages
      HNW client demand for mortgage provision is high relative to other credit products
      HNW consumers increasingly view mortgages as a fully integrated part of their finances
   A high level of brand loyalty makes the acquisition of borrowers a profitable strategy
      HNW clients in the UK exhibit higher-than-average loyalty to their financial providers
      HNW consumers in the UK are extremely likely to concentrate their portfolio in the hands of one manager
      Consumer research suggests that HNW individuals are more optimistic than the rest of the population
COMPETITORS
   Private banks and mass market providers employ different approaches towards lending
      Private banks have plenty of experience in serving HNW borrowers
      Mainstream lenders' high value offerings are less well developed at present
      There is scope for lenders to bridge the gap between private banks and mainstream providers
   A diverse range of providers is now serving HNW borrowers
      Bank of China is capitalizing on the boom in Far Eastern investors
      Barclays Wealth employs a holistic approach towards high value mortgage provision
      Coutts has recently tightened its lending criteria following a period of strong expansion in lending
      HSBC provides customized mortgages to its HNW clients through two outlets
      Lloyds TSB is aiming to improve its high value mortgage offering over the next few years
      Other high street lenders are cautiously beginning to build a presence in the high value market
DISTRIBUTION AND COMMUNICATION
   UK HNW consumers prefer contact with financial providers on their own terms
      Most UK HNW consumers desire only annual contact with their providers
      HNW consumers in the UK have a strong preference for face-to-face servicing
      Communication and contact should be tailored to client needs
   Intermediaries are a valuable distribution channel for high value mortgages
      Brokers play an important role in placing HNW clients with providers
      Brokers in the high value market rely on multiple sources for new business

Appendix

   Supplementary data
   Methodology
      Overall methodology
      Sizing the high value mortgage market
      Global Wealth Managers Survey 2011
      Global Wealth Model methodology
   Secondary sources
   Further reading
   Ask the analyst
   Datamonitor consulting
   Disclaimer
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