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Our research is free to download. For details of planned projects and reports due out soon, please see our research programme.

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Latest research

    Date Title
pdf icon   01-May-09 CML Annual Report 2008
In a hostile media, political and market environment, there was never a greater need for a clear voice to represent UK mortgage lenders. Our Annual Report reflects on the year's events as they unfolded. It sets out to explain the seemingly inexplicable, but not to defend the indefensible.
pdf icon   16-Apr-09 Homeowner housing equity through the downturn
Homeowner housing equity through the downturn
pdf icon   16-Apr-09 Homeowner housing equity through the downturn – technical note
This note describes the methodology the CML use to estimate numbers of mortgaged homeowners in negative equity. This methodology underpins the analysis presented in our Housing Finance article "Homeowner housing equity through the downturn."
pdf icon   30-Jul-08 Prospects for UK housing wealth and inheritance
This research report by Alan Holmans seeks to estimate the future number of older home-owners through to 2026, the likely extent of their housing wealth and how quickly it may be passed on to the younger generation via bequests.
pdf icon   05-May-08 Annual report 2007
The report highlights how, in the first eight months or so of the year, mortgage and housing markets continued a pattern of strong growth that had extended for a decade. In six of the first seven months of the year, we reported record lending figures. Despite the dramatic impact of the credit crunch from August onwards, lending totalled a record £364 billion in 2007 - £1 billion a day - and almost 6% more than the £345 billion recorded in 2006.
pdf icon   14-Mar-08 Please release me! A review of the equity release market in the UK, its potential and consumer expectations
This report reviews the factors influencing consumer interest in equity release products and what would galvanise future take-up.
pdf icon   04-Mar-08 Stamp duty licked
This short paper explains the need to reform residential stamp duty and why the immediate exemption of transactions below £250,000 would ease the contradictions in government policy towards first-time buyers and underpin a well-functioning housing market.
pdf icon   28-Feb-08 Fuzzy households, fuzzy tenures
The modern world has changed how people choose to live and lenders have responded with a range of innovations to meet increasingly diverse demand.
pdf icon padlock icon 14-Feb-08 Personal credit dashboard - February 2008
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   03-Dec-07 Consumer attitudes to long-term fixed-rate mortgages
This short article presents some key findings about people's attitudes to long-term fixed-rate mortgages in the UK.

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