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
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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. |
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06-Sep-11 |
Personal credit dashboard September 2011 (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. |
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08-Aug-11 |
Housing equity: a market update This paper looks at the current housing equity position of UK households. We find that, in aggregate, housing equity held by mortgage borrowers exceeds their debt by £800 billion, implying a substantial equity cushion. Using new methodology that is more reliable but not directly comparable to our earlier studies we estimate that around 827,000 households (fewer than 8% of those with a mortgage) had some negative equity in the first quarter of this year. |
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27-Apr-11 |
CML annual report 2010 In our annual report we look back at 2010, a year in which the industry continued to stabilise, but where there were still many challenges to overcome. |
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14-Nov-10 |
Consumer and market impacts of the FSA’s mortgage market review (MMR) – additional analysis on mortgage affordability Additional analysis by Policis on mortgage affordability and in particular the impacts of low rates on borrowers in distress. It also looks in more detail at the profile of the borrowers likely to be impacted by the proposals in CP 10/16. |
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14-Nov-10 |
Consumer and market impacts of the FSA’s mortgage market review (MMR) – data pack The data-set used by Policis in support of both the full report and the additional analysis. |
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14-Nov-10 |
Consumer and market impacts of the FSA’s mortgage market review (MMR) – technical pack The full technical and methodology details of Policis’ consumer research. |
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04-Nov-10 |
Compliance analysis of the FSA’s proposed income verification and affordability assessment rules in the mortgage market review (MMR) - executive summary Oxera’s report considers some of the detailed compliance implications and costs for lenders of two specific aspects of the FSA’s MMR proposals - income verification and affordability assessments. |
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04-Nov-10 |
Compliance analysis of the FSA's proposed income verification and affordability assessment rules in the mortgage market review (MMR) - full report Oxera’s report considers some of the detailed compliance implications and costs for lenders of two specific aspects of the FSA’s MMR proposals - income verification and affordability assessments. |
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04-Nov-10 |
Consumer and market impacts of the FSA’s mortgage market review (MMR) - executive summary Policis, funded by the CML, has undertaken consumer-led research to understand the impacts on customers if access to the market is restricted, taking into account consumer demand for mortgages and attitudes to home-ownership. The research also looks at the supply-side impacts of the MMR proposals and models the broader market and macro-economic outcomes. |
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