Buy-to-let Mortgages - UK - March 2014
Although the new rules linked to the Mortgage Market Review (MMR) will not apply to...
young People Can Use Buy-to-let As A Gateway Into The Property Market
market Drivers
key Points
buy-to-let Mortgage Demand...
fan Chart Explanation
market Share
key Points
two Lenders Dominate The Buy-to-let Market
figure 23: Buy-to-let Amounts Out...
key Points
many People Have Aspirations To Become Property Investors
figure 35: Attitudes And Intentions Regarding Buy-to-...
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Buy-to-let Mortgages - UK - March 2014:Industry Trends, Size and Shares Research Report

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Buy-to-let Mortgages - UK - March 2014:Industry Trends, Size and Shares Research Report
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Buy-to-let Mortgages - UK - March 2014:Industry Trends, Size and Shares Research Report

  1. 1. Buy-to-let Mortgages - UK - March 2014 Although the new rules linked to the Mortgage Market Review (MMR) will not apply to non-regulated buy-to-let business, there will still be some ramifications, not least because many lenders operate in both the mainstream residential and specialist buy-to-let sector. table Of Content introduction product Definition abbreviations executive Summary the Market buy-to-let Gross Lending Up By 32% In 2013 figure 1: Forecast Of New Buy-to-let Mortgage Advances – Fan Chart, 2008-18 rental Market Continues To Expand figure 2: Key Market Fundamentals, 2007, 2010 And 2013 (year-end) new Business Lending Is Expected To Grow At A Solid Pace Over The Next Few Years market Factors strong Demand For Rental Property In The Uk market Fundamentals regulation Update company, Brands And Innovation leading Lenders figure 3: Lenders’ Share Of The Buy-to-let Market, By Balances Outstanding, 2013 greater Product Activity limited Adspend Due To Dominance Of Intermediated Sales the Consumer one In Twenty Uk Adults Are Landlords figure 4: Proportion Of Uk Adults Who Let Property, December 2013 means Of Acquisition figure 5: How Acquired Rental Property, December 2013 buy-to-let Borrowers Favour Interest-only buy-to-let Investment Intentions figure 6: Intentions Regarding Buy-to-let Property Investment, December 2013 what Landlords Think About Investing In Buy-to-let house Price Predictions figure 7: Expected Property Price Movement Over The Next 12 Months, December 2013 what We Think issues In The Market contraction In Mainstream Interest-only Mortgages Could See More Landlords Switching To Buy-to-let Deals the Facts the Implications good Expansion Potential the Facts the Implications trend Application target Mortgage Holders With Buy-to-let Promotions explore The Viability Of Crowd-funding And Co-ownership Buy-to-let Mortgages - UK - March 2014
  2. 2. young People Can Use Buy-to-let As A Gateway Into The Property Market market Drivers key Points buy-to-let Mortgage Demand Is Relatively Strong figure 8: Demand For Buy-to-let And Prime Lending, 2009-13 spreads On Buy-to-let Lending Fell During The Final Three Quarters Of 2013 figure 9: Spreads On Buy-to-let Lending – Retrospective And Forward-looking, 2009-13 lenders Continue To See Decent Margins On New Lending figure 10: Bank Of England Base Rate, Three-month (monthly Average) Libor And Effective New Mortgage Rate, January 2007-december 2013 housing Market Conditions Improve rental Demand And Supply void Periods, Tenant Defaults And Loan Arrears average Value Of Rented Property Grew In 2013 figure 11: Average Value Of Rented Houses Versus Rented Flats, Q1 2008-q4 2013 geared Investments Offer Better Returns Than Cash Buys figure 12: Average Net Annual Compound Rate Of Return Over Five Years – Geared Versus Cash Purchase Investment, Q1 2008-q4 2013 regional Variation In Geared-investment Returns figure 13: Annual Compound Rates Of Return On Buy-to-let Investment Over A Five-year Period – Geared Investments Only, By Region, Q4 2013 landlord Characteristics And Behaviour recent Regulatory And Policy Developments uk Housing Stock key Points the Privately Rented Sector Accounts For One In Eight Uk Properties figure 14: Uk Housing Stock, By Tenure, 1991-2012 the Number Of Reluctant Landlords Appears To Be On The Wane buy-to-let Mortgages Are Funding Nearly One In Three Privately Rented Homes figure 15: Share Of Uk Privately Rented Dwellings That Are Being Purchased With A Buy-to-let Mortgage, 2002-12 sharp Drop In New Private Builds Exacerbates Housing Shortage figure 16: Number Of Permanent Dwellings Completed, By Tenure – Uk, 2006/07-12/13 market Swot Analysis figure 17: Buy-to-let Mortgage Market – Strengths, Weaknesses, Opportunities And Threats, 2014 who’s Innovating? key Points product Availability Increases competition Hots Up new Lender Enters Buy-to-let Arena With A ‘unique’ Proposition market Size And Forecast key Points there Are Now Over 1.5 Million Buy-to-let Loans Outstanding figure 18: Number And Value Of Buy-to-let Mortgages Outstanding, 2007-13 (year-end) new Buy-to-let Advances Grew Strongly In 2013 figure 19: Volume And Value Of New Buy-to-let Mortgages, 2007-13 the Growth Was Driven By Both Remortgage And House-purchase Activity mintel Expects The Market To Continue To Grow Over The Next Five Years figure 20: Forecast Of New Buy-to-let Mortgage Advances – Fan Chart, 2008-18 figure 21: Forecast Of The Number Of New Buy-to-let Mortgage Sales – Fan Chart, 2008-18 figure 22: Forecast Of New Buy-to-let Mortgage Business, 2008-18 forecast Methodology Buy-to-let Mortgages - UK - March 2014
  3. 3. fan Chart Explanation market Share key Points two Lenders Dominate The Buy-to-let Market figure 23: Buy-to-let Amounts Outstanding – Selected Lenders Only, 2011-13 companies And Products lloyds Banking Group figure 24: Key Annual Financial Data For Lbg, 2012-13 nationwide And Tmw figure 25: Key Interim Financial Data For Nationwide, H1 2012 And H1 2013 paragon figure 26: Key Annual Financial Data For The Paragon Group, 2012 And 2013 brand Communication And Promotion key Points overall Mortgage Adspend Has Increased Over The Past Year figure 27: Total Advertising Expenditure On Mortgage Products, By Sub-category, 2009-13 limited Buy-to-let Advertising figure 28: Adspend On Buy-to-let Mortgages, By Selected Advertisers And Media Type, 2013 channels To Market key Points intermediaries Play A Major Role In The Distribution Of Buy-to-let Loans figure 29: Distribution Channels Used By Selected Buy-to-let Lenders, February 2014 intermediary Share Growing Steadily In The Wider Mortgage Market figure 30: Proportional Distribution Of Regulated Mortgage Sales, By Channel, 2007/08-2012/13 ownership Of Rental Property key Points survey Background one In 20 Uk Adults Are Landlords figure 31: Ownership Of Property Which Is Let To Tenants Or Holiday Let, December 2013 a Small Proportion Of Tenants Are Also Landlords figure 32: Ownership Of Property Which Is Let To Tenants Or Holiday Let, By Tenure, December 2013 mortgage Holders Are More Inclined To Invest In Buy-to-let buy-to-let Landlords Are Typically Abc1s Aged 45-64 just Under A Third Of Landlords Are Aged 25-44 means Of Acquiring Rental Property key Points around One In Seven Inherited Their Rental Property Or Holiday Home figure 33: How Acquired Rental Property, December 2013 a Large Minority Initially Bought Their Rental Property With A Standard Residential Mortgage figure 34: Type Of Mortgage Used To Buy Rental Property, December 2013 interest-only Is The Most Common Type Of Buy-to-let Loan attitudes And Intentions Relating To Property Investment Buy-to-let Mortgages - UK - March 2014
  4. 4. key Points many People Have Aspirations To Become Property Investors figure 35: Attitudes And Intentions Regarding Buy-to-let Property Investment, December 2013 one In Seven Landlords Believe Now Is A Good Time To Invest In Buy-to-let house Price Predictions key Points most People Expect House Prices To Grow In 2014 figure 36: Expected Property Price Movement Over The Next 12 Months, December 2013 appendix – Market Size And Forecast value Forecast – Best- And Worst-case Scenarios figure 37: Forecast Of New Buy-to-let Advances – Best- And Worst-case Scenarios, At Current Prices, 2013-18 volume Forecast – Best- And Worst-case Scenarios figure 38: Forecast Of The Number Of New Buy-to-let Mortgages – Best- And Worst-case Scenarios, At Current Prices, 2013-18 appendix – Ownership Of Rental Property By Demographics figure 39: Ownership Of Rental Property, By Demographics, December 2013 appendix – Attitudes And Intentions Regarding Buy-to-let Investment figure 40: Intentions Regarding Buy-to-let Property Investment, By Demographics, December 2013 figure 41: Attitudes Regarding Buy-to-let Property Investment, By Demographics, December 2013 appendix – Profile Of Existing Landlords And Prospects figure 42: Demographic Profile Of Total Sample Versus Existing Landlords And Buy-to-let Prospects, December 2013 appendix – House Price Predictions figure 43: Expected Property Price Movement Over The Next 12 Months, By Demographics, December 2013 ResearchMoz(http://www.researchmoz.us/) is the one stop online destination to find and buy market research reports & Industry Analysis. We fulfill all your research needs spanning across industry verticals with our huge collection of market research reports. We provide our services to all sizes of organizations and across all industry verticals and markets. Our Research Coordinators have in-depth knowledge of reports as well as publishers and will assist you in making an informed decision by giving you unbiased and deep insights on which reports will satisfy your needs at the best price. Contact: M/s Sheela, 90 State Street, Suite 700, Albany NY - 12207 United States Tel: +1-518-618-1030 USA - Canada Toll Free 866-997-4948 Email: sales@researchmoz.us Website: http://www.researchmoz.us/ Buy-to-let Mortgages - UK - March 2014

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