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 email@example.com, 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.
The changing face of home-ownership in Scotland (article)
This article looks at the prospects for future growth in home-ownership in Scotland, and a range of government initiatives including measures to extend low-cost home-ownership, address the poor state of repair of the housing stock and to reform the system of buying and selling homes in Scotland.
Will the real first-time buyers please stand up? (article)
First-time buyers are a key part of the housing market, but are currently in short supply. This article looks at their characteristics to give us greater insight into how they will influence the housing market in future.
RMS explanatory note - New mortgage market data: key changes and better information (article)
Note explaining the differences in data between the RMS (Regulated mortgage survey) and SML (Survey of mortgage lenders).
How disruptive will HIPs be? (article)
This article explores the possible short- and long-term market impacts of the introduction of home information packs (HIPs). It suggests that while it is difficult to predict what will happen in the market, there is likely to be some adverse impact because of the introduction of HIPs.
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.
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.
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.
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.
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.
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).
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