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Research

We produce a range of analysis on the mortgage market, covering affordability, equity position of households and other subjects.

Our current focus is on internally-produced work rather than an externally commissioned research programme. Please direct any queries to bob.pannell@cml.org.uk, head of research.

Our research is free to download.  Most recent articles are listed first. Use the options on the left to search the full list.  

Latest research

    Date Title
pdf icon   03-Sep-14 A housing market to be proud of
Looking through the lens of the mortgage lending industry, this report considers the challenges for future housing policy from the perspective of the young, the old, an the in-betweeners.
pdf icon padlock icon 28-Mar-14 Personal credit dashboards March 2014 (full members only)
This report, from the trade bodies representing all the major financial institutions that lend to UK households, sets out our shared understanding of the key developments affecting the outlook for personal sector borrowing. This is a member-only report.
pdf icon   20-Dec-13 CML annual member review 2013
Our member review for 2013 highlights the key challenges and achievements, during a year in which the mortgage market began to show signs of recovery.

The review has sections on how the market evolved; policy issues; local, national and international developments; politics; mortgages and the media; commercial events – and our predictions of the key issues in 2014.
pdf icon padlock icon 30-Sep-13 Personal credit dashboards September 2013 (full members only)
This report, from the trade bodies representing all the major financial institutions that lend to UK households, sets out our shared understanding of the key developments affecting the outlook for personal sector borrowing. This is a member-only report.
pdf icon padlock icon 01-Mar-13 Personal credit dashboards February 2013 (full members only)
This report, from the trade bodies representing all the major financial institutions that lend to UK households, sets out our shared understanding of the key developments affecting the outlook for personal sector borrowing. This is a member-only report.
pdf icon   20-Dec-12 Where do we go from here? How UK mortgage lenders see the UK mortgage market - past, present, and future
This report is a self-evaluation of the UK mortgage industry by CML member mortgage lenders. It looks back at where the market has come from and where it is going. It sets out lenders’ views on how the market’s resilience, sustainability, and flexibility could potentially be improved for the long term benefit of customers.
pdf icon   26-Nov-12 Housing in London: challenges and solutions
The UK's housing challenges are thrown into stark relief in London. This article sets out some key actions that the London Mayor and central government should take to deliver sustainable solutions for London's housing market.
pdf icon padlock icon 11-Sep-12 Personal credit dashboards September 2012 (full members only)
This report, from the trade bodies representing all the major financial institutions that lend to UK households, sets out our shared understanding of the key developments affecting the outlook for personal sector borrowing. This is a member-only report.
pdf icon   13-Jun-12 Maturing attitudes to home-ownership
This paper presents the latest market research findings showing that despite the economic and financial difficulties there appears to be a strong desire for home-ownership amongst British adults although amongst younger adults this is mainly seen as a longer-term goal.
pdf icon   11-Jun-12 Briefing paper: Funding Social Housing − A review
This paper provides an overview of how the social housing sector is funded; it highlights the continuing important role of bank funding in the overall funding mix for the sector, as well as challenges for housing associations in funding future development. The paper highlights key policy asks of stakeholders including Government, Housing Associations and Regulators.

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