Abstract
Introduction
The UK mortgage market is ferociously competitive, with over 130 lenders vying
for business. How did lenders perform over 2005 and the first half of 2006?
How is the structure of the market changing and what will it look like in the
long-run? This briefing assesses the performances of the major lenders and
considers a number of questions on the evolution of the market.
Scope
- Provides insight on how major lenders are changing their strategies.
- Discusses the key structural and competitive changes in the market over
the last year.
- Incorporates primary interviews from industry experts and secondary data
from a wide range of sources.
Report Highlights
While 2005 was a difficult year for many lenders, the first half of 2006 saw
most lenders' books increase in volume. Yet the competitive structure of the
market is changing, with investment banks staking out a greater role and the
boundaries between mainstream and non-standard lending becoming more blurred.
As pricing becomes more competitive, lenders' margins will be squeezed.
Lenders will look to streamline their operations, so that each step is done at
the lowest cost possible. In many instances, lenders will think about
outsourcing some aspect of their mortgage processing cycle, in order to save
on cost.
As the competitive structure of the UK mortgage market continues to change,
Datamonitor contends that consolidation will continue, some investment banks
will exit the market as profitability declines in the sub-prime sector, and a
number of giant or super players will dominate the mortgage market to a
greater degree than at present.
Reasons to Purchase
- In-depth analysis of the strategies of the major UK lenders and how they
are performing.
- Assesses the reasons for a number of lenders' success.
- Understand how the market is changing and evaluate any opportunities for
your business arising from these changes.
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