Current Account and Offset Mortgages 2005

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Current Account and Offset Mortgages 2005
Market Report, October 2005, 1441 €

Description

IntroductionThe UK secured lending market was taken by storm a few years ago when current account and offset mortgages were introduced in the country.
The initial hype about these products and increasing consumer awareness have ensured that this niche sector continues to grow.
But is it living up to its potential? What does the future hold for this mortgage segment? This brief provides the answer.ScopeFocuses on the UK.Analyses market trends in the current account and offset mortgage market.Sizes gross advances in the current account and offset mortgage market as a whole as well as separately.Provides a five-year forecast for current account and offset mortgage markets separately as well as a whole.HighlightsWhile both CAMs and OSMs expanded significantly during the last five years, OSMs have witnessed the greatest growth between these two products.
Indeed, gross advances for OSMs grew by a remarkable 77.2 per cent on a yearly average, more than twice the annual average rate observed in the CAM market.The possibility of mortgage lenders being able to retain customers by offering CAMs and OSMs and getting them to use the facilities is obviously an important incentive to operate in this niche sector.
One OSM lender, which has tailored its offset mortgage offering toward this end is the Yorkshire Building Society.There has been a gradual change among players in this market.
Lenders who have entered this niche sector since 2003 have all been OSM players.
More interesting is the fact that, with the exception of The One Account, existing CAM lenders have had to adapt their offerings to reflect customers' predilection for OSMs.Reasons to PurchaseGives you a competitive edge by providing you with a thorough analysis of the UK current account and offset mortgage market.Determine the size of the UK current account and offset mortgage market for 2004 and how to exploit the growth potential.Draw on Datamonitor's five-year scenario-based forecasts to plan your future strategy with confidence.

Sommaire

Introduction
The UK secured lending market was taken by storm a few years ago when current account and offset mortgages were introduced in the country. The initial hype about these products and increasing consumer awareness have ensured that this niche sector continues to grow. But is it living up to its potential? What does the future hold for this mortgage segment? This brief provides the answer.

Scope
Focuses on the UK.
Analyses market trends in the current account and offset mortgage market.
Sizes gross advances in the current account and offset mortgage market as a whole as well as separately.
Provides a five-year forecast for current account and offset mortgage markets separately as well as a whole.
Highlights
While both CAMs and OSMs expanded significantly during the last five years, OSMs have witnessed the greatest growth between these two products. Indeed, gross advances for OSMs grew by a remarkable 77.2 per cent on a yearly average, more than twice the annual average rate observed in the CAM market.

The possibility of mortgage lenders being able to retain customers by offering CAMs and OSMs and getting them to use the facilities is obviously an important incentive to operate in this niche sector. One OSM lender, which has tailored its offset mortgage offering toward this end is the Yorkshire Building Society.

There has been a gradual change among players in this market. Lenders who have entered this niche sector since 2003 have all been OSM players. More interesting is the fact that, with the exception of The One Account, existing CAM lenders have had to adapt their offerings to reflect customers' predilection for OSMs.

Reasons to Purchase
Gives you a competitive edge by providing you with a thorough analysis of the UK current account and offset mortgage market.
Determine the size of the UK current account and offset mortgage market for 2004 and how to exploit the growth potential.
Draw on Datamonitor's five-year scenario-based forecasts to plan your future strategy with confidence.

Introduction
This Interactive Database analyzes the asset management industry in Europe at a time when new regulations and changing customer preferences are redefining the market. It sizes and forecasts assets held in five key market segments, from 1999 to 2009, across 13 countries, and breaks out asset allocations where possible.

Reasons to Purchase
Covers Belgium, Denmark, Finland, France, Germany, Ireland, Italy, the Netherlands, Norway, Spain, Sweden, Switzerland and the UK.
Includes mutual fund (retail and institutional), general insurance and life & pensions companies and self administered pension schemes assets data.
Includes qualitative information on the development of the major investment management markets, including regulatory, product and consumer developments.