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市場調查報告書

英國的房屋抵押貸款市場:主要趨勢與市場機會

Mortgage Lending in the UK - Key Trends and Opportunities to 2020

出版商 Timetric 商品編碼 301584
出版日期 內容資訊 英文 75 Pages
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英國的房屋抵押貸款市場:主要趨勢與市場機會 Mortgage Lending in the UK - Key Trends and Opportunities to 2020
出版日期: 2016年01月20日 內容資訊: 英文 75 Pages
簡介

從ISA (individual savings accounts:個人儲蓄戶頭) 的制度開始以來,英國消費者的儲蓄意願減退,將資金轉向股票投資,解除到目前為止支付的高利率債務。另一方面,由於公定比率自2009年壓到0.5%的低水準,及英國政府為解除房屋抵押貸款問題供給金融業界800億英鎊資金,各銀行對獲得房屋抵押貸款的意願變低。2008∼2014年實際工資下降,反而住宅價格和能源價格上升,也導致著住宅需求的縮小,及房屋抵押貸款市場不振。2009∼2014年,房屋抵押貸款的整體貸款數量縮小了2.4%,貸款餘額增加1.0%穩定推移,核准數量減少0.15%,每1件貸款額增加8.9%。

本報告提供英國的房屋抵押貸款市場相關分析、市場結構和促進、阻礙因素、市場規模趨勢預測(今後5年份)、通路趨勢、產業的競爭力、近幾年的產業趨勢(資本交易、產業聯盟等)、政府的相關法規與政策、主要企業簡介等調查,並將結果概述為以下內容。

第1章 摘要整理

第2章 簡介

第3章 市場分析

  • 市場規模
  • 貸款總額
    • 各貸方
    • 各貸款對象
  • 返還情形
  • 純貸款額
  • 貸款的核準情況
    • 以金額為準
    • 以數量為準
    • 貸款、資產價值比率
  • 返還停頓情形
  • 利率
  • 市場未來展望
    • 今後的預測
  • 流通管道
  • 資產運用之房屋抵押貸款
  • 房屋抵押貸款的首次使用者
  • 市場摘要

第4章 經濟影響

  • 住宅市場
  • 實質GDP成長率
  • 勞動市場環境
  • 利率
  • 消費者信心指數
  • 通貨膨脹率

第5章 競爭環境

  • 市場佔有率
  • 貸款利率
  • 貸款商品的開發情形

第6章 法規和政策

  • 近幾年的法修改
    • 「Help to Buy」 (住宅購買支援政策)
    • 房屋抵押貸款市場改革 (MMR)
  • 今後的法規修訂預測
    • 詳細的商品銷售資料的出示義務
    • 房屋抵押貸款指令
    • 巴塞爾III

第7章 資本交易趨勢(共4件)

第8章 最新的產業趨勢(共4件)

第9章 英國的零售銀行

  • Barclays Plc
    • 企業簡介
    • 主要的貸款商品
    • 主要的競爭企業
    • 經營團隊
  • HSBC Bank Plc
  • Lloyds Banking Group Plc
  • Nationwide Building Society
  • Santander UK Plc
  • The Royal Bank of Scotland Group

第11章 統計

  • 預測資料(今後5年份)

第12章 附錄

圖表一覽

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目錄
Product Code: FS0143MR

A surge in mortgage lending was recorded during the second half of 2015, as customers took advantage of low interest rates, with the Governor of the Bank of England, Mark Carney, suggesting in November 2015 that the central bank rate may not rise until 2017.

Summary

  • The Buy-to-Let sector recorded substantial growth in 2015, as investors increasingly looked towards property in the absence of any favorable savings rates. With house prices continuing to rise and the buy-to-let making becoming a landlord more affordable this type of mortgage has risen from being a twentieth of all mortgages to a fifth in a single year. The availability of high loan-to-value (LTV) mortgages and even interest-only mortgages, combined with pension reforms in the March 2015 Budget - allowing over 55s to receive a lump sum instead of annuities - sparked the growth.
  • Mortgage affordability eased during the recession as the Bank of England reduced its policy interest rate to a record-low of 0.5% in 2009, and Funding for Lending provided 18 months of access to cheap bank finance. This prompted retail lenders to lower interest rates on tracker and fixed-rate mortgages during the review period (2009-2014), leading to lower-value loan repayments from 2009 onwards.
  • This trend continued in 2015, as HSBC became the first lender to launch a sub-2% five-year fixed mortgage in April, which triggered price war between lenders. Rates continued to plunge in 2015, with the average 75% two-year LTV mortgages as cheap as 1.6%. This has been a substantial factor behind driving the gross lending and the repayments markets, as consumers have been keen to lock themselves into the attractive rates.
  • A surge in mortgage lending was recorded during the second half of 2015, as customers took advantage of low interest rates, with the Governor of the Bank of England, Mark Carney, suggesting in November 2015 that the central bank rate may not rise until 2017. Total gross lending increased by 29.4% in 2015.
  • Although it looks as if the central bank rate will not rise until as late as 2017, the rate will increase at some point over the forecast period (2015-2019), which will increase repayment costs. The Mortgage Market Review (MMR) includes measures to check that all borrowers are able to afford the cost of any potential hike, so interest rate increases are likely to suppress growth in the market, if only temporarily.
  • With the demand for mortgages being so high, any interest rate hike is unlikely to lead to a decline in gross mortgage lending, although repayments are more likely to drop off as customers begin to struggle to make them.
  • Lending to first-time buyers had declined year-on-year to April 2015 following the implementation of the MMR in April 2014. The review includes measures to check that all borrowers can afford the cost of any potential hike, to the extent of looking through online bank statements and credit ratings, have made it harder for many to get on the property ladder.
  • The boom in buy-to-let lending has created a very saturated market with direct competition for first-time buyers, and it has certainly contributed to rising house prices, especially in London. Lending to first time buyers increased by 10% year-on-year to September 2015, as real wages continues to improve and demand remained strong.

Scope

  • This report provides market analysis, information and insights into the UK mortgage industry
  • It provides a breakdown of the types of mortgages offered in the UK
  • It analyses drivers and the outlook for the market
  • It provides information on the main banks in the UK market
  • It covers news and regulatory developments
  • It forecasts the future of the mortgage industry in the UK over the next five years

Reasons To Buy

  • Gain an understanding of the UK mortgage industry.
  • See monthly and annual statistics on every aspect of the market, both in written form and in graphs and tables.
  • Read analysis of the relevant market statistics, telling you what has been happening in the mortgage market, why it has been happening and what we expect to happen over the coming years.
  • Read about all the economic factors impacting the industry.
  • Read about how individual banks and building societies are affecting the market, in terms of market share and innovation.

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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