Research
Our research is free to download. For details of planned projects and reports due out soon, please see our research programme.
Most recent articles are listed first. Use the options on the left to search the full list.
Latest research
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05-May-10 |
CML Annual Report 2009 The CML annual report reflects on another challenging year for the industry, with a shortage of funding and active lenders, and the threat of rising arrears and possessions. But it was also a period in which lenders began the process of recovery - and ended the year in better shape than they had begun it. |
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12-Feb-10 |
Affordability and first-time buyers This paper looks at what affordability measures can tell us about the ability of households to get onto the housing ladder for the first time. Reflecting the fact that most first-time buyers need a mortgage to get onto the housing ladder, we highlight mortgage-based measures. We argue that popular measures based only on initial mortgage interest payments risk giving an overly positive picture of the true position and conclude that initial debt-service costs continue to look fairly elevated. |
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28-Jan-10 |
The outlook for mortgage funding markets in the UK in 2010 - 2015 This paper examines the prospects for a recovery in UK mortgage funding markets considering the main factors influencing the outlook including the need to repay £300bn of government funding by 2014. It argues that the government needs a clear strategy for establishing a more robust funding system going forward and that government should level the playing field by providing more tangible support for UK RMBS and covered bonds. |
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11-Dec-09 |
The changing nature of property sales This paper explores the significant change to the mix of residential transactions that is likely to have taken place over the past year or so, and the impact this may have on our ability to accurately gauge recent housing market developments. |
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28-Aug-09 |
Personal credit dashboard - August 2009 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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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. |
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16-Apr-09 |
Homeowner housing equity through the downturn Homeowner housing equity through the downturn |
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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." |
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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. |
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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. |
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