Table 1: Gross lending by product line for H1 2007 and H2 2007 8
Table 2: A sample of independent house price forecasts for the UK residential property market 12
Table 3: Forecasted gross advances in the UK residential market by product lines under Datamonitor's view, 2007-12f 16
Table 4: Forecasted gross advances in the UK residential market by product lines under a pessimistic view, 2007-12f 18
Table 5: Forecasted gross advances in the UK residential market by product lines under an optimistic view, 2007-12f 19
Table 6: Two-year fixed rate products by top 10 mortgage lenders 28
Table 7: Likely movement in gross lending market share of top 10 mortgage lenders in 2008 30
Table 8: LTV at origination of all loans for house purchase in the UK, Q2 2005-Q4 2006 (%) 61
Table 9: Change and percentage change in the number of products available in the UK mortgage market, July-September 2007 64
Table 10: Amount held in ethical finance, 2006-07 69
Table 11: Selected green mortgage offers in the UK market 71
Table 12: International green mortgage offerings 73
Table 13: Largest reductions in mortgage product offering by lender, June 2007-08 82
Table 14: Lenders closed to new business, by number of mortgage deals offered in June 2007 83
Table 15: Comparison of top 10 lenders' maximum LTV ratios, June 2007-08 86
Table 16: Top five cheapest and top five most expensive SVR mortgage offers, June 2008 87
Table 17: Comparison of top 10 lenders' fixed and standard variable rate mortgage offers, June 2008 88
Table 18: UK monthly gross mortgage advances, 2006-07, January-June, (£m) 93
Table 19: UK monthly gross mortgage advances, 2006-07, July-December, (£m) 93
Table 20: Gross mortgage lending by product line, 2003-07 94
Table 21: Nationwide's and Halifax's house price indices, May 2007-May 2008 94
Table 22: Household debt to income ratio, 1998-2007 95
Table 23: Arrears and repossession data, 2003-07 95
Table 24: Value of all secured loans approved in the UK by product line, April 2006-April 2008 (£m) 96
Table 25: Top 10 mortgage lender by gross advances, 2006-07 97
Table 26: Top 10 UK mortgage lenders by gross advances, 2001-07 98
Table 27: Top 12 UK mortgage lenders by balances outstanding, 2001-07 99
Table 28: List of mortgage lenders in the UK market, May 2008 (Table 1 of 2) 100
Table 29: List of mortgage lenders in the UK market, May 2008 (Table 2 of 2) 101
Table 30: Major UK banks' wholesale funding as a proportion of total funding (%) 102
Table 31: UK major banks' issuance of RMBS (£bn) 102
Table 32: Northern Rock balance sheet growth and liability structure (£bn) 103
Table 33: Major UK banks' customer funding gap (£bn) 104
Table 34: Which of these types of organizations, if any, would you consider/never consider when taking out a mortgage with? 105
Table 35: Responses for Northern Rock to the question 'which four or five of these companies would you consider taking a mortgage with? 105
Table 36: When taking out a mortgage, which of these methods, if any, would you use to find information about this product? 106
Table 37: UK properties in arrears and taken into possession, H1 1995-H1 2007 (units) 107
Table 38: The number of prime residential mortgage offers, June 2007-June 2008 108
Table 39: Number of sub-prime mortgages and sub-prime lenders, June 2007-08 108
Table 40: The number of 95% LTV mortgages and the number of 100% and 100%+ LTV mortgages, June 2007-June 2008 108
Table 41: Average maximum borrowing, June 2007-June 2008 109
Table 42: Number of first time buyer and remortgage offers, June 2007-June 2008 109
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