Analyze the Competitive Landscape of the Large Mortgage Loans Market in the UK.

DUBLIN, Ireland -- Research and Markets (http://www.researchandmarkets.com/reports/c43469) has announced the addition of UK Large Mortgage Loans 2006 to their offering.

Large mortgage loans account for a tiny proportion of the UK mortgage market. Driven by factors such as City bonuses and the size of the High Net Worth population, this sector has witnessed a small revival at the start of 2006. This report provides an overall analysis of the large mortgage loan market in the UK, sizing and forecasting the sector, and looking at the competitive landscape.

Scope of this title:

* Focuses on mortgage loans of u500,000 and over.

* Sizes the large mortgage loan market in terms of gross advances. Data relates to loans for house purchase and covers England and Wales.

* Looks at competitive and distribution dynamics.

* Provides five-year forecasts based on three scenarios.

Highlights of this title:

The sales of high value properties are directly dependent on the size and behavior of high net worth individuals, the evident typical customer type for such properties. Indeed, such individuals view properties as a sound investment and are always looking to upgrade to higher value properties to consolidate their assets.

While mainstream lenders have a strong presence in the large loan sector, they are facing competition from private banks. This is not surprising given the characteristics of the typical large loan customer. For instance, Coutts, the international private banking arm of The Royal Bank of Scotland Group, offers mortgages to its clients.

IFA firms are very active in the large loan sector, establishing key referral partnerships with solicitors, lawyers, accountancy practices and investment firms. According to an industry source, as an example, St Jamess Place has an informal arrangement with The Goldman Sachs Group to introduce mortgages to its employees.

Reasons to order your copy:

* Gives you a competitive edge by providing you with a thorough analysis of the UK large mortgage loan market.

* Learn how the competitive structure of the large mortgage loan market is changing.

* Draw on Our five-year scenario-based forecasts to plan your future strategy with confidence.

Topics Covered:

Chapter 1
Introduction
Scope of this report
Definition of large mortgage loans
Who is the target reader?
How to use this report

Chapter 2
The large mortgage loan market in context
Introduction
The number of properties worth GBP 0.5 million and over has increased
 substantially over the years
23,745 residential properties sold in 2005 were valued at GBP 0.5
 million and over
Greater London accounted for the lions share of properties sold worth
 GBP 1.0 million and over
Properties worth GBP 0.5 million and over accounted for 2.6 per cent
 of the total stock of residential properties sold in 2005
A number of factors have driven the sales of high value properties
House prices have increased considerably in recent years
The high net worth customer group is a major driver of sales of
 properties worth GBP 0.5m and over
City bonuses play an important role in the number of sales of high
 value properties
Wealthy foreigners are increasingly investing in London properties
Gross advances for house purchase in the large loan sector were worth
 an estimated GBP 7.2 billion in 2005
Methodology used in sizing the large mortgage loan market
We estimates that the large loan market has grown at a CAGR of 14.6
 per cent over the last five years
Remortgaging plays an important role in the large loan sector

Chapter 3
The competitive dynamics of the large mortgage loan market
Introduction
A significant number of mortgage lenders offer large loans
Although a large number of mortgage lenders operate in the large loan
 sector, maximum amount available for borrowing differs
The majority of those lenders not operating in the large loan sector
 are small building societies
Many lenders are generally unwilling to go above the GBP 500,000
 cut-off because of the higher risk involved should the customer
 default
Moreover, all the top ten residential mortgage lenders operate in the
 large loan sector
Some lenders large loan offerings are more flexible than others
Halifax and Abbey offer better interest rates on their large mortgage
 loans
While mainstream lenders face competition from their high street
 rivals, they also have to compete with private banks
A few major factors are crucial for successfully servicing the large
 loan sector
HNW customers expect to receive a high quality of service
Lenders need to have a strong presence among the IFA community
Intermediaries are very active within the large loan sector

Chapter 4
Forecasting the large mortgage loan market
Introduction
Three forecasting scenarios are presented
Under Our View, the large loan market will reach GBP 9.5 billion in
 gross advances in 2010
Under the pessimistic scenario, gross advances in the large loan
 market will fall significantly before picking up in 2009
Under the optimistic scenario, the large loan sector will account for
 6.9 per cent of the total house purchase mortgage market in 2010

Chapter 5
Appendix
Supplementary data
Data tables relating to Chapter 2: The Large Mortgage Loan Market in
 Context
Definitions
CAGR
Gross advances
Independent Financial Advisors (IFAs)
Loan-to-value (LTV)
Mortgage intermediary
Research methodology
Relevant readings
UK Mortgage Market Map 2006
Key Features
For further information
Reports
European mortgage reports
UK mortgage reports
UK mortgage briefings
Future readings
Our custom research capabilities
Retail Banking Team contact details

List of Tables
List of Figures

For more information visit http://www.researchandmarkets.com/reports/c43469

Source: Datamonitor