Opinion

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Type Product title / description Pub Price
Expert View
Expert View

UK lenders missing a trick on graduate and professional mortgages

Mortgage lenders in the UK are missing out on significant business opportunities in the graduate and professional field. Launched in the late 1990s, graduate and professional mortgages were designed to help young buyers get on the property ladder, and for lenders to tap into a new market. Yet the market remains small, with gross advances of just GBP3.6 billion in 2005.

Published By Datamonitor
16 Aug 2006
Expert View
Expert View

UK lenders will continue to rely upon wholesale funding and securitization

Although mortgage funding models that rely on wholesale funding and securitization are now being questioned, this type of funding will continue to be relied upon. Despite what has happened to Northern Rock, these models have benefits, and with the implementation of proper preventative measures, funding via the wholesale markets and securitization will be a safer and healthier option than before.

Published By Datamonitor
16 Jan 2008
CommentWire
CommentWire

UK lending markets: more bad times ahead for both lenders and borrowers

Lending to consumers is set to contract by 13.5% in 2008. Lending markets are currently beset by high market uncertainties, with the ongoing credit crunch, falling house prices, rising arrears and repossessions, and indebted consumers struggling to find credit. In current uncertain market conditions, it is neither good to be a lender nor a borrower.

Published By Datamonitor
20 Aug 2008
CommentWire
CommentWire

UK lending: 'problem' debt is becoming ever more problematic

The Consumer Credit Counselling Service (CCCS) has reported that problem, or unmanageable, debt increased by almost twice as much as unsecured debt between 2004 and 2005, indicating an increasingly unhealthy situation in the UK credit market. However, with consumers still borrowing and lenders bullish about the long-term effects of bad debt, agencies like CCCS are likely to get even busier.

Published By Datamonitor
07 Mar 2006
CommentWire
CommentWire

UK lending: banks should keep differentiating

Published By Datamonitor
02 May 2001
ResearchWire
ResearchWire

UK lending: consumer credit market set for 4.5% year on year growth

Published By Datamonitor
08 May 2006
CommentWire
CommentWire

UK lending: credit where credit's due

Published By Datamonitor
05 Oct 2001
CommentWire
CommentWire

UK lending: debt advice firms profit as more consumers struggle with repayments

As Debt Free Direct's rosy profit forecast reveals, business is booming for debt advice firms as an increasing number of people struggle to make repayments. Lenders have introduced initiatives to reduce their exposure to bad debt and further mitigate the possibility of more individual voluntary arrangements, but it seems things are only going to get worse before they get better.

Published By Datamonitor
06 Sep 2006
Expert View
Expert View

UK lending: mainstream lenders embrace non-standard clients

The UK non-standard market is benefiting from the entry of large financial conglomerates and mainstream financial institutions. Fewer and fewer non-standard or 'credit-impaired' individuals in the UK are being denied credit by major players and many companies are now willing to offer their services to customers with minor debts.

Published By Datamonitor
08 Jul 2005
ResearchWire
ResearchWire

UK lending: unsecured personal loans building consumer credit share

Published By Datamonitor
28 Jun 2006

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