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252fmortgage Rate Mortagagemortgagelender U Mortgage Mortgage Lender Szh Forums Member 84710 Mortgage Mortgage Lender

time since records began in 1955
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  • Figure 8: Gross lending by specialists has collapsed since the onset of the banking crisis
  • Figure 9: LBG saw the biggest fall in gross lending of the top providers in 2009
  • Figure 10: The total number of buy-to-let products remains low
  • Figure 11: The number of mortgage products has increased slightly over the last 12 months
  • Figure 12: High LTV lending has been restricted since mid 2008
  • Figure 13: The availability of LTV mortgages at above 90% has gradually improved since mid 2009
  • Figure 14: The cost of two-year fixed rate mortgages is falling
  • Figure 15: Margins have been gradually shrinking over the last six months
  • Figure 16: HSBC is marketing a combined fixed and variable rate mortgage
  • Figure 17: John Charcol offers an alternative to traditional fixed rates
  • Figure 18: Many of Nationwide' s best deals are only available to its current account holders
  • Figure 19: Lloyds TSB and Halifax offer preferential mortgage rates to their bank account customers
  • Figure 4: Since the mid-1990s the affordability of first-time mortgages has halved
  • Figure 5: First-time buyer deposits have sharply escalated since the late 1990s
  • Figure 6: Lloyds TSB is heavily promoting its Lend A Hand mortgage in the press
  • Figure 7: Standard Chartered in Hong Kong offers several different options for repayment
  • Figure 8: Westpac New Zealand borrowers can split their mortgage between fixed and variable rates
  • Figure 9: Garanti Bank boasts an integrated property portal
  • Figure 10: Several Australian banks offer packaged bundles of products at preferential rates
  • Figure 11: Santander offers a fee-free current account exclusively to its mortgage holders
  • Figure 12: has entered the mortgage comparison market
  • Figure 1: Buy-to-let gross lending fell drastically between 2007 and 2009
  • Figure 2: The decline in buy-to-let lending activity accelerated in the third quarter of 2008
  • Figure 3: 75% of mortgage intermediaries experienced a fall in buy-to-let gross advances in 2009
  • Figure 4: Buy-to-let advertising activity ground to a halt in 2009
  • Figure 5: The number of buy-to-let products has stagnated since May 2008
  • Figure 6: Arrears on buy-to-let mortgages have generally been lower than for the market as a whole
  • Figure 7: Repossession rates on buy-to-let mortgages have matched those for all mortgages
  • Figure 8: Buy-to-let lending is unlikely to rise or fall sharply in the foreseeable future, according to brokers
  • Figure 9: More letting offices reported seeing landlords buy property than sell in 2009
  • Figure 10: The proportion of letting offices reporting more tenants than properties recovered in 2009
  • Figure 11: Only around one in 10 letting offices saw an increase in achievable rents in 2009
  • Figure 12: Fewer letting offices saw an increase in rental supply due to an inability to sell properties in 2009
  • Figure 13: In Datamonitor' s view, buy-to-let gross advances will rise to £25.6 billion by 2014
  • Figure 14: Buy-to-let gross advances will reach £35 billion in 2014 under the optimistic forecast
  • Figure 15: The pessimistic forecast sees buy-to-let gross advances reaching £11.5 billion in 2014
  • Figure 1: RMBS public issuance fell away sharply in late 2007, and remains at negligible levels
  • Figure 2: Retained RMBS issues have almost completely replaced public issues
  • Figure 3: Throughout 2008, lenders stated that wholesale conditions were driving reduced credit availability
  • Figure 4: Quarterly changes in mortgage credit availability
  • Figure 5: The number of available mortgage products fell steeply in late 2007 and 2008
  • Figure 6: There was a sharp fall in the maximum LTVs available in 2008
  • Figure 7: The number of available 90%-plus LTV mortgage products collapsed in early 2009
  • Figure 8: Lending criteria tightened and loan approval rates fell drastically during the credit crunch
  • Figure 9: Spreads on mortgages rose significantly from late 2007 through to mid-2009
  • Figure 10: Spreads on variable rate mortgages ballooned in 2009
  • Figure 11: Gross lending by specialist lenders collapsed in 2008
  • Figure 12: Self-certification mortgages have been completely unavailable since November 2009
  • Figure 13: Banks' share of gross lending has significant increased during the funding crisis
  • Figure 14: Building society retail deposits fell in 2009 for the first time since records began in 1955
  • Figure 15: New issues of mortgage covered bonds in UK grew threefold between 2007 and 2008
  • Figure 16: Growth in retail deposits has slowed down since the base rate fell to a record low
  • Figure 17: The funding gap between customer loans and deposits rose to 30% by 2007
  • Figure 1: The number of possessions in 2009 came in considerably below expectations
  • Figure 2: Arrears also ended the year below forecasts
  • Figure 3: Arrears and possessions have risen significantly since the start of the downturn
  • Figure 4: Arrears are rising faster based on months outstanding rather than as a proportion of total balance
  • Figure 5: Arrears peaked in the second quarter of 2009 before gradually falling
  • Figure 6: The number of possessions on mortgaged properties fell over the course of 2009
  • Figure 7: There has only been a fall in mortgages that are less than 5% in arrears
  • Figure 8: Loss of income is by far the biggest factor driving arrears
  • Figure 9: Following 12 months of improvement, lenders are expecting defaults and losses to start rising
  • Figure 10: The number of mortgages in arrears will reach 239,100 in 2014 in Datamonitor' s view
  • Figure 11: The non-standard population will peak in 2012
  • Figure 12: The sub-prime population will rise up to 2013 before starting to fall
  • Figure 13: Possession actions on mortgaged properties fell sharply in late 2008
  • Figure 14: Formal arrangements to repay arrears rose rapidly throughout 2008
  • Figure 15: Possessions are considerably below the levels experienced during the 1990s
  • Figure 16: The MRS has provided help for a limited number of households
  • Figure 17: Over half of borrowers in arrears contacted their lender before or as soon as they got into difficulty
  • Figure 18: Only a small proportion of borrowers are in significant arrears at present
  • Figure 19: The likelihood of arrears rises in line with the lack of affordability
  • Figure 20: All social classes have proved equally susceptible to missed payments
  • Figure 21: Summary of lenders' mortgage books in 2009
  • Figure 22: The arrears rates of the major providers are either in line with or below the market average
  • Figure 23: Barclays and Nationwide enjoy the lowest LTVs on their mortgage books
  • Figure 24: LBG has had to make the largest provision for impairments
  • Figure 25: Nationwide' s Mortgage Charter outlines the help that it will provide to homeowners in difficulty

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