Direct Mortgages Market Assessment 2010


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Published Date :
December 2010find similar
Report Type :
Market Assessmentfind similar
Report Sector :
Financial Servicesfind similar
Price :
£ 575
Contents :
20 Chapters

Table of Contents

The table of contents below is for Direct Mortgages 2010

Foreword

Executive Summary

Introduction

BACKGROUND

DEFINITION

Strategy Overview

MARKET DYNAMICS AND SEGMENTATION

Economic Trends

Current Status of the Market and Consumer Trends

Total Industry Value and Growth

Total Loans for House Purchase and Remortgage

Lending and Affordability

Market Segmentation

DISTRIBUTION

Channel Mix

COMPETITIVE STRUCTURE

MARKETING AND ADVERTISING

THE CONSUMER

Consumer Confidence

Key Note's Consumer Research

The Housing Market

House Prices

THE FUTURE

Types of Mortgage

TYPES OF MORTGAGE BY REPAYMENT METHOD

Repayment Mortgages

Interest-Only Mortgages

TYPES OF MORTGAGE BY RATE OF INTEREST

Discount-Rate Mortgages

Fixed-Rate Mortgages

Capped-Rate Mortgages

Tracker Mortgages

TYPES OF MORTGAGE BY CIRCUMSTANCES OF BORROWER

Mortgages for First-Time Buyers

Buy-to-Let Mortgages

Subprime Mortgages

Self-Certified Mortgages

Lifetime Mortgages and Equity-Release Products

OTHER TYPES OF MORTGAGE

Flexible Mortgages

Offset-Account Mortgages

Regulation

THE FINANCIAL SERVICES AUTHORITY

Affordability Assessments

Product Regulation

Arrears Changes

Responsible Borrowing and Better Informed Purchasing

Non-Deposit Taking Lenders

Bank Branch Sales

MARKET SHARE

MARKET SIZE

CONSUMER TRENDS

Consumer Attitudes Towards Bank Branch Staff

DISTRIBUTION

Branch Structure

Building Societies

BACKGROUND

INTRODUCTION

MARKET SHARE

MARKET SHARE

DISTRIBUTION

CONSUMER TRENDS

Consumer Attitudes Towards Building Society Staff

Non-Deposit Taking Lenders

INTRODUCTION

MARKET SHARE

MARKET SIZE

DISTRIBUTION

Telephone Sales

MARKET SHARE

CONSUMER TRENDS

Telephone Arrangement of a Mortgage

DISTRIBUTION

E-Mortgages

MARKET SHARE

CONSUMER TRENDS

Preference for Arranging a Mortgage Over the Internet

DISTRIBUTION

Online Applications and Mortgage Processing

Intermediary Mortgage Lenders

INTRODUCTION

CONSUMER TRENDS

Trust in Independent Mortgage Advisers on the High Street

DISTRIBUTION

Internet Intermediaries

An International Perspective

THE US MORTGAGE MARKET

THE EU MORTGAGE MARKET

PEST Analysis

POLITICAL FACTORS

Social Exclusion

Property-Owning Democracy

Regulations

Immigration

ECONOMIC FACTORS

Forced Saving

Labour Market Effects

Capital Market Effects

Land Market Effects

Subprime Lending

SOCIAL FACTORS

Family Life

Social Exclusion

TECHNOLOGICAL FACTORS

Credit Rating

Security

Efficiency

Consumer Dynamics

OVERVIEW

Analysis of Ranking

USE OF MORTGAGE COMPARISON WEBSITES

Use of Comparison Websites to Compare the Advantages and Disadvantages of Different Types of Mortgage

Preferences for Use of Comparison Websites for Finding the Best Lenders

LEVEL OF TRUST IN ADVICE ABOUT WHICH MORTGAGE DEAL IS BEST

Independent Mortgage Advisers on the High Street

Bank Branch Staff

Building Society Staff

Estate Agency Staff

WILLINGNESS TO ARRANGE A MORTGAGE VIA CHANNELS WITHOUT FACE-TO-FACE CONTACT

Telephone Arrangement of a Mortgage

Internet Arrangement of a Mortgage

Taking Out a Mortgage Via an Online Broker

MORTGAGE DEAL PREFERENCES FOR FIRST-TIME BUYERS, REFINANCING AND HOME-MOVERS

Preferences for First-Time Buyers

Preferences for Refinancing a Mortgage

Preferences for Home-Movers

FINDING THE BEST DEAL FROM A DIRECT LENDER AND DIRECT LENDER CREDIBILITY

Finding the Best Deal From Direct Lenders

Credibility of Direct Lenders

Reputation of Direct Lenders Regarding Arrears

LEVEL OF COMMITMENT TO A MORTGAGE

Using Refinancing to Pay Off Debts

Importance of Investment in Children Instead of Mortgage

COST AND SACRIFICES MADE FOR MORTGAGES

Costs Involved in Arranging Mortgages

Sacrifices Involved in Saving for a Deposit

TRAPS FOR BORROWERS AND FIRST-TIME BORROWERS

Low Interest Introductory Rates

Interest-Only Mortgages for First-Time Borrowers

INTEREST RATE STABILITY AND SECURITIZED MORTGAGES

Attitudes to Fixed Mortgage Interest Rates

Attitudes to Securitized Mortgages

PREFERENCES FOR CURRENT ACCOUNT MORTGAGES AND ATTITUDES CONCERNING RISING HOUSE PRICES

Preferences for Current Account Mortgages

Attitudes Towards Rising House Prices

Company Profiles

BARCLAYS BANK PLC

Corporate Strategy

Strengths and Weaknesses

New Product and Brand Development

Innovation

Advertising and Marketing

Distribution

Profitability

Future Company Developments

HSBC HOLDINGS PLC

Corporate Strategy

Strengths and Weaknesses

New Product and Brand Development

Marketing

Distribution

Profitability

Future Company Developments

LLOYDS BANKING GROUP PLC

Corporate Strategy

Strengths and Weaknesses

New Product and Brand Development

Advertising and Marketing

Distribution

Profitability

Future Company Developments

NATIONWIDE BUILDING SOCIETY

Corporate Strategy

Strengths and Weaknesses

New Product and Brand Development

Innovations

Advertising and Marketing

Distribution

Profitability

Future Company Developments

THE ROYAL BANK OF SCOTLAND GROUP PLC

Corporate Strategy

Strengths and Weaknesses

New Product and Brand Development

Marketing

Distribution

Profitability

Future Company Developments

SANTANDER UK

Corporate Strategy

Strengths and Weaknesses

New Product and Brand Developments

Distribution

Advertising

Profitability

Future Company Developments

The Future

ECONOMIC FORECASTS

Population

Gross Domestic Product

Inflation

Unemployment

Household Disposable Income

MARKET FORECASTS

Market Trends

Direct Versus Intermediated Mortgages

Consolidation

The Branch Network

Supply-Side Factors and Remortgaging

Regulation

MARKET DYNAMICS

TECHNOLOGICAL DRIVERS

CONCLUSION

Further Sources

Associations

Publications

General Sources

Government Publications

Other Sources

Key Note Sources

Key Note Ltd

Understanding TGI Data

Number, Profile, Penetration

Social Grade

Standard Region

Key Note Research

The Key Note Range of Reports

Other Reports