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
		27-Jan-06	Mortgage regulation - spot the difference? (article) In October 2004, we commissioned a survey from BMRB to gauge recent borrowers' experience of the mortgage process. One year on we repeated the exercise, this article looks at the results and determines the extent to which regulation has altered consumer perceptions.
		02-Nov-05	Affordability pressures build (article) This article looks at the pressures on affordability that increased through much of 2004. It reviews recent trends in home ownership affordability using a combination of aggregate and regional measures.
		02-Nov-05	Housing, Financial Services and the Scottish Economy (report) This research looks at the increasingly important role played by financial services and housing-related activities in Scotland's economy.
		28-Oct-05	Mortgage regulation - one year on (article) This article takes a look back over the year at how the new regulation regime has bedded in, its initial impact on consumers and the market, and we look forward to some of the key issues for the industry over the next 12 months.
		13-Sep-05	Mortgage credit in the EU: the case for integration is not proven (article) A critical analysis of the European Commission's recent Green Paper and cost-benefit analysis on mortgage market integration.
		17-Jul-05	Trends in mortgage borrowers' repayment difficulties (article) This article examines the trends in mortgage repayment difficulties and arrears since 1992 using the British Household Panel Survey (BHPS).
		12-Jul-05	Attitudes to housing assets and inheritance (article) Article describing the results of a recent MORI survey, commissioned by the Joseph Rowntree Foundation (JRF), into consumer attitudes to inheritance and equity release.
		01-Jul-05	First time buyers - the decision to buy (report) This technical report was published alongside the CML research report "Understanding first-time buyers", and is published by BMRB. This contains findings from focus groups on young people's attitudes.
		01-Jul-05	Recent trends in numbers of first-time buyers: a review of recent evidence (report) This technical report is published alongside CML research "Understanding first-time buyers", July 2005. The methology and source information are both the same for both reports althought there may be some differences in analysis and interpretation.
		01-Jul-05	Understanding first-time buyers (report) The number of first-time buyers is unlikely to return to the long-term average figure of 45% and this is likely to have an impact on mobility within the housing market as a whole.