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
		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.
		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.
		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.
		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.
		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.
		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.
		03-May-12	CML annual report 2011 In our annual report we look back at 2011, a challenging year in which there were many issues for lenders to address.
		07-Mar-12	To buy or not to buy .... This article explores the costs of entering home-ownership compared against private renting, and discusses the factors - both financial and otherwise - affecting borrowers' tenure decisions.
		28-Feb-12	Personal credit dashboard February 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.
		20-Oct-11	Payment shock, what payment shock? This research estimates the number of borrowers who have come to the end of an initial fixed rate and reverted onto a variable rate. Most of the 1.8 million such borrowers (as at December 2010) enjoy a current mortgage rate that is lower than their initial rate. Using information about the current equity position of these households and their current interest rates we analyse their ability to remortgage and their susceptibility to payment shock if interest rates rise.