Wednesday, March 12, 2014

Market Analysis-Buy-To-Let Mortgages - UK - March 2014-Market Growth, Trends and Forecast

New Market Research Report Added in MarketResearchReports.Biz Reports Database: 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.

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Table of Content


Product definition

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

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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
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

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UK Housing Stock

Key points
The privately rented sector accounts for one in eight UK properties
Figure 14: UK Housing stock, by tenu
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

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1 comment:

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