Notes: Total of 1st charge loans, 2nd and subsequent charge loans (where the borrower takes an extra loan from another lender) and some further advance loans ( This applies in cases where a 1st charge lender grants a further advance on the original mortgage, but for administrative purposes treats it as a separate loan account).

Notes: Total of 1st charge loans, 2nd and subsequent charge loans (where the borrower takes an extra loan from another lender) and some further advance loans ( This applies in cases where a 1st charge lender grants a further advance on the original mortgage, but for administrative purposes treats it as a separate loan account).

Notes: "As a customer's right in ""Mortgages: Conduct of Business"" issued by Financial services Authority"

Notes: "As a customer's right in ""Mortgages: Conduct of Business"" issued by Financial services Authority"

Notes: "As a customer's right in ""Mortgages: Conduct of Business"" issued by Financial services Authority"

Notes: "Other" multiplied by proportion of mortgage subject to "capital & interest" repayment

Notes: "Other" multiplied by proportion of mortgage subject to "interest only" repayment

Notes: "Other" multiplied by proportion of mortgage subject to "interest only" repayment

Notes: "Support for Mortgage Interest; if a mortgage borrower is getting: •Income Support •income-based Jobseeker’s Allowance •income-related Employment and Support Allowance •Pension Credit (The primary aim of the Support for Mortgage Interest policy is to provide support for homeowners at risk of repossession.)"

Notes: "Support for Mortgage Interest; if a mortgage borrower is getting: •Income Support •income-based Jobseeker’s Allowance •income-related Employment and Support Allowance •Pension Credit (The primary aim of the Support for Mortgage Interest policy is to provide support for homeowners at risk of repossession.)"

Notes: "Support for Mortgage Interest; if a mortgage borrower is getting: •Income Support •income-based Jobseeker’s Allowance •income-related Employment and Support Allowance •Pension Credit (The primary aim of the Support for Mortgage Interest policy is to provide support for homeowners at risk of repossession.)"

Notes: "The UK has not needed to introduce specific secularization laws, as Firms can securities mortgages under the existing UK legal framework." (Financial Services Authority, 2007)

Notes: "The UK has not needed to introduce specific secularization laws, as Firms can securities mortgages under the existing UK legal framework." (Financial Services Authority, 2007)

Notes: "The UK has not needed to introduce specific secularization laws, as Firms can securities mortgages under the existing UK legal framework." (Financial Services Authority, 2007)

Notes: 1. Mortgage Product Sales Data includes regulated mortgage contracts only, therefore excludes other regulated home finance products such as home purchase plans and home reversions, and unregulated products such as second charge lending and buy-to-let mortgages. 2. Revisions to this data can result from the receipt of new data not previously available for earlier published reports, late and corrected submissions of data and by the identification of errors in the original data. 3. The figures in this report may differ from those published in the Mortgage Product Sales Data Trend Report, as the trend report excluded business loans.

Notes: 1. Mortgage Product Sales Data includes regulated mortgage contracts only, therefore excludes other regulated home finance products such as home purchase plans and home reversions, and unregulated products such as second charge lending and buy-to-let mortgages. 2. Revisions to this data can result from the receipt of new data not previously available for earlier published reports, late and corrected submissions of data and by the identification of errors in the original data. 3. The figures in this report may differ from those published in the Mortgage Product Sales Data Trend Report, as the trend report excluded business loans.

Notes: 2 year, 75% LTV

Notes: 2 year, 75% LTV

Notes: 5 year, 75% LTV

Notes: 5 year, 75% LTV

Notes: 90 percentile of the ratio. Other notes, see 3.10.3

Notes: 90 percentile of the ratio. Other notes, see 3.10.3

Notes: A very small proportion of Uk market<1% almost none of which are interest only. Modal rates on IO look similar to 10 year products and these are given

Notes: A very small proportion of Uk market<1% almost none of which are interest only. Modal rates on IO look similar to 10 year products and these are given

Notes: A very small proportion of Uk market<1% almost none of which are interest only. Modal rates on IO look similar to 10 year products and these are given

Notes: Annual Population Survey (16-64 year olds)

Notes: Annual Population Survey (16-64 year olds)

Notes: Annual Population Survey (16-64 year olds)

Notes: Annual Population Survey (16-64 year olds)

Notes: Annual Population Survey (16-64 year olds)

Notes: Bank of England average rate for instant access accounts (unrestricted withdrawals)

Notes: Bank of England average rate for instant access accounts (unrestricted withdrawals)

Notes: Bank of England average rate for instant access accounts (unrestricted withdrawals)

Notes: Based on annual figures averaged from mix-adjusted quarterly medians

Notes: Based on annual figures averaged from mix-adjusted quarterly medians

Notes: Council Tax has a disproportionate impact on renters. Housing benefit for renters is not in a form of tax benefits.

Notes: Council Tax has a disproportionate impact on renters. Housing benefit for renters is not in a form of tax benefits.

Notes: Data Protection Act helps to protect your interests by obliging organizations to manage the information they hold in a proper way. It states that anyone who processes personal information must comply with eight principles, which make sure that it is: •fairly and lawfully processed; •processed for limited purposes; •adequate, relevant and not excessive; •accurate and up to date; •not kept for longer than is necessary; •processed in line with your rights; •secure; and •not transferred to other countries without adequate protection.

Notes: Data Protection Act helps to protect your interests by obliging organizations to manage the information they hold in a proper way. It states that anyone who processes personal information must comply with eight principles, which make sure that it is: •fairly and lawfully processed; •processed for limited purposes; •adequate, relevant and not excessive; •accurate and up to date; •not kept for longer than is necessary; •processed in line with your rights; •secure; and •not transferred to other countries without adequate protection.

Notes: Data Protection Act helps to protect your interests by obliging organizations to manage the information they hold in a proper way. It states that anyone who processes personal information must comply with eight principles, which make sure that it is: •fairly and lawfully processed; •processed for limited purposes; •adequate, relevant and not excessive; •accurate and up to date; •not kept for longer than is necessary; •processed in line with your rights; •secure; and •not transferred to other countries without adequate protection.

Notes: Denominator: outstanding of total sterling net lending to individuals and housing associations.

Notes: England only. # of property sales based on Land Registry data in in 66 local authorities, which were classified as 'major urban' by Department for Environment, Food and Rural Affairs (DEFRA) based on the 2001 Census.

Notes: England only.city center: the area around the core of a large city. other urban center: the area around towns and small cities, and also older urban areas which have been swallowed up by a metropolis.

Notes: England only.city center: the area around the core of a large city. other urban center: the area around towns and small cities, and also older urban areas which have been swallowed up by a metropolis.

Notes: Estimated from financial statistics about the mutual lenders and deposit takers sector, including building societies: deposit from individuals

Notes: Estimated from financial statistics about the mutual lenders and deposit takers sector, including building societies: deposit from individuals

Notes: Estimated from financial statistics about the mutual lenders and deposit takers sector, including building societies: deposit from individuals

Notes: Estimated from financial statistics about the mutual lenders and deposit takers sector, including building societies: deposit from wholesale

Notes: Estimated from financial statistics about the mutual lenders and deposit takers sector, including building societies: deposit from wholesale

Notes: Estimated from financial statistics about the mutual lenders and deposit takers sector, including building societies: deposit from wholesale

Notes: Figures provided for all completions - couldn't find a formal/informal breakdown. Figures are for the closest financial year

Notes: Figures provided for all completions - couldn't find a formal/informal breakdown. Figures are for the closest financial year

Notes: Financial Services Authority; Financial Stability Board (succeeded to Financial Stability Forum in April 2009)

Notes: Financial Services Authority; Financial Stability Board (succeeded to Financial Stability Forum in April 2009)

Notes: Financial Services Authority; Financial Stability Board (succeeded to Financial Stability Forum in April 2009)

Notes: Financial Services Authority; Financial Stability Board (succeeded to Financial Stability Forum in April 2009)

Notes: Financial Stability Review

Notes: Financial Stability Review

Notes: Financial Stability Review

Notes: Fiscal year base. * 1stQ of 2010.

Notes: Gross (pre-tax) household income. London only.

Notes: Gross (pre-tax) household income. London only.

Notes: Gross disposable household income. London only. Average household income multiplied by household projection.

Notes: Gross disposable household income. London only. Average household income multiplied by household projection.

Notes: Homeowners mortgage support scheme started in April 2009.

Notes: Homeowners mortgage support scheme started in April 2009.

Notes: Homeowners mortgage support scheme started in April 2009.

Notes: In the jurisdiction of Property Law. (Consumer Credit Act 2006 and Financial Services and Markets Act are highly relevant.)

Notes: Included in Others

Notes: Included in Others

Notes: Internal rule

Notes: Internal rule

Notes: Internal rule

Notes: Internal rule

Notes: Internal rule

Notes: Internal rule

Notes: Land Registry fee rose to £280 (for £200,001 - £500,000) in July 2009

Notes: Land Registry fee rose to £280 (for £200,001 - £500,000) in July 2009

Notes: Land Registry fee rose to £280 (for £200,001 - £500,000) in July 2009

Notes: Land Registry, which is the government department responsible for the land/property registers for England and Wale, has been aiming to process registrations within 12 days from the application day, and more than 80% of registration processes meet the target.

Notes: Legal system is well organised for lines. However, local governments has Mortgage Rescue Scheme or Repossession Prevention Scheme to protect borrowers.

Notes: Legal system is well organised for lines. However, local governments has Mortgage Rescue Scheme or Repossession Prevention Scheme to protect borrowers.

Notes: Legal system is well organised for lines. However, local governments has Mortgage Rescue Scheme or Repossession Prevention Scheme to protect borrowers.

Notes: London only. Including new housing figures.

Notes: London only. Including new housing figures.

Notes: Median of percent advance for first time buyers

Notes: Median of percent advance for first time buyers

Notes: Median of percent advance for first time buyers

Notes: Normally more than this value

Notes: Normally more than this value

Notes: Normally more than this value

Notes: Payment: Sum of interest, capital repayment and mortgage protection premium. Income: income and allowances

Notes: Payment: Sum of interest, capital repayment and mortgage protection premium. Income: income and allowances

Notes: Pension Credit Guarantee Credit could be given to elderly people who have certain housing costs, such as mortgage interest payments.

Notes: Quoted spread on new mortgage lending – that is the difference between a measure of the cost of funds and the interest rate charged on new lending on tracker mortgages. Values are approximate.

Notes: Quoted spread on new mortgage lending – that is the difference between a measure of the cost of funds and the interest rate charged on new lending on tracker mortgages. Values are approximate.

Notes: Quoted spread on new mortgage lending – that is the difference between a measure of the cost of funds and the interest rate charged on new lending on tracker mortgages. Values are approximate.

Notes: Rent to HomeBuy

Notes: Several shared ownership scheme other than Rent to HomeBuy; and Mortgage Interest Run On (MIRO) -- four weeks of money you can get towards paying your housing costs

Notes: Short term Government bond yield.

Notes: Short term Government bond yield.

Notes: Short term Government bond yield.

Notes: Standard variable + discounted variable

Notes: Standard variable + discounted variable

Notes: Subsidy for ailing banks/building societies

Notes: Subsidy for ailing banks/building societies

Notes: Subsidy for ailing banks/building societies

Notes: Tax free policy for mortgage payment protection insurance

Notes: Tax free policy for mortgage payment protection insurance

Notes: The lowest quartile

Notes: The lowest quartile

Notes: The methodology used to calculate these series has changed from January 2008 onwards. These changes have been applied to the combined bank and building society series historically dating back to January 2005 for consistency.

Notes: The national income distribution figures are used. This is this lowest income level of any type of adult (i.e., not income of a household).

Notes: The national income distribution figures are used. This is this lowest income level of any type of adult (i.e., not income of a household).

Notes: The percentages provided are for England only. England dwelling stock: http://www.communities.gov.uk/documents/housing/xls/table-104.xls

Notes: The percentages provided are for England only. England dwelling stock: http://www.communities.gov.uk/documents/housing/xls/table-104.xls

Notes: The Scottish Government has launched a mortgage indemnity scheme to help more first-time buyers get on the property ladder since 29 June 2011.

Notes: The Scottish Government has launched a mortgage indemnity scheme to help more first-time buyers get on the property ladder since 29 June 2011.

Notes: The Scottish Government has launched a mortgage indemnity scheme to help more first-time buyers get on the property ladder since 29 June 2011.

Notes: Total of 1st charge loans, 2nd and subsequent charge loans (where the borrower takes an extra loan from another lender) and some further advance loans ( This applies in cases where a 1st charge lender grants a further advance on the original mortgage, but for administrative purposes treats it as a separate loan account).

Notes: Total of 1st charge loans, 2nd and subsequent charge loans (where the borrower takes an extra loan from another lender) and some further advance loans ( This applies in cases where a 1st charge lender grants a further advance on the original mortgage, but for administrative purposes treats it as a separate loan account).

Notes: Total of 1st charge loans, 2nd and subsequent charge loans (where the borrower takes an extra loan from another lender) and some Further advance loans ( This applies in cases where a 1st charge lender grants a further advance on the original mortgage, but for administrative purposes treats it as a separate loan account).

Notes: Total of 1st charge loans, 2nd and subsequent charge loans (where the borrower takes an extra loan from another lender) and some Further advance loans ( This applies in cases where a 1st charge lender grants a further advance on the original mortgage, but for administrative purposes treats it as a separate loan account).

Notes: Total of 1st charge loans, 2nd and subsequent charge loans (where the borrower takes an extra loan from another lender) and some Further advance loans ( This applies in cases where a 1st charge lender grants a further advance on the original mortgage, but for administrative purposes treats it as a separate loan account).

Notes: Total of 1st charge loans, 2nd and subsequent charge loans (where the borrower takes an extra loan from another lender) and some Further advance loans ( This applies in cases where a 1st charge lender grants a further advance on the original mortgage, but for administrative purposes treats it as a separate loan account).

Notes: total of 1st charge loans, 2nd and subsequent charge loans (where the borrower takes an extra loan from another lender) and some Further advance loans ( This applies in cases where a 1st charge lender grants a further advance on the original mortgage, but for administrative purposes treats it as a separate loan account).

Notes: Total of 1st charge loans, 2nd and subsequent charge loans (where the borrower takes an extra loan from another lender) and some further advance loans ( This applies in cases where a 1st charge lender grants a further advance on the original mortgage, but for administrative purposes treats it as a separate loan account).

Notes: Tracker

Notes: Tracker

Notes: Tracker

Notes: Traditionally, UK mortgage lenders use Master Trust programmes to issue RMBS-- namely; Mounds -- HBOS (Bank of Scotland); Gracechurch – Barclays; Permanent – HBOS (Halifax); Arkle – Cheltenham & Gloucester; Holmes – Abbey; Lothian – Standard Life; Fosse – Alliance & Leicester. Values are approximate.

Notes: Traditionally, UK mortgage lenders use Master Trust programmes to issue RMBS-- namely; Mounds -- HBOS (Bank of Scotland); Gracechurch – Barclays; Permanent – HBOS (Halifax); Arkle – Cheltenham & Gloucester; Holmes – Abbey; Lothian – Standard Life; Fosse – Alliance & Leicester. Values are approximate.

Notes: Trivial. "Very few people know that it is possible to obtain a foreign currency mortgage for UK residential properties (http://www.internationalmortgagebrokers.co.uk/foreign-currency-mortgages/foreign-currency-mortgages.html)"

Notes: Trivial. "Very few people know that it is possible to obtain a foreign currency mortgage for UK residential properties (http://www.internationalmortgagebrokers.co.uk/foreign-currency-mortgages/foreign-currency-mortgages.html)"

Notes: Trivial. "Very few people know that it is possible to obtain a foreign currency mortgage for UK residential properties (http://www.internationalmortgagebrokers.co.uk/foreign-currency-mortgages/foreign-currency-mortgages.html)"

Notes: Values are typically <90%

Notes: Values are typically <90%

Notes: Values are typically <90%

Notes: WEO Estimate for 2008, 2009 & 2010.

Notes: WEO Estimate for 2008, 2009 & 2010.

Notes:

Notes:

Notes: "As a customer's right in ""Mortgages: Conduct of Business"" issued by Financial services Authority"

Notes: "For selling, You do not have to pay tax as long as: •you bought it, and incurred any expenditure on it, primarily to use it as your home rather than with a view to making a profit on its sale •the property was your only home throughout the period you owned it (ignoring the last three years of ownership) •you did actually use it as your home all the time that you owned it and, throughout that period, you did not use it for any purpose other than as a home for yourself, your family and no more than one lodger •the garden and area of grounds sold with it does not exceed 5,000 square metres (about one and a quarter acres) including the site of the house "

Notes: "For selling, You do not have to pay tax as long as: •you bought it, and incurred any expenditure on it, primarily to use it as your home rather than with a view to making a profit on its sale •the property was your only home throughout the period you owned it (ignoring the last three years of ownership) •you did actually use it as your home all the time that you owned it and, throughout that period, you did not use it for any purpose other than as a home for yourself, your family and no more than one lodger •the garden and area of grounds sold with it does not exceed 5,000 square metres (about one and a quarter acres) including the site of the house "

Notes: "For selling, You do not have to pay tax as long as: •you bought it, and incurred any expenditure on it, primarily to use it as your home rather than with a view to making a profit on its sale •the property was your only home throughout the period you owned it (ignoring the last three years of ownership) •you did actually use it as your home all the time that you owned it and, throughout that period, you did not use it for any purpose other than as a home for yourself, your family and no more than one lodger •the garden and area of grounds sold with it does not exceed 5,000 square metres (about one and a quarter acres) including the site of the house "

Notes: "For selling, You do not have to pay tax as long as: •you bought it, and incurred any expenditure on it, primarily to use it as your home rather than with a view to making a profit on its sale •the property was your only home throughout the period you owned it (ignoring the last three years of ownership) •you did actually use it as your home all the time that you owned it and, throughout that period, you did not use it for any purpose other than as a home for yourself, your family and no more than one lodger •the garden and area of grounds sold with it does not exceed 5,000 square metres (about one and a quarter acres) including the site of the house "

Notes: "Other" multiplied by proportion of mortgage subject to "capital & interest" repayment

Notes: "Other" multiplied by proportion of mortgage subject to "capital & interest" repayment

Notes: "Other" multiplied by proportion of mortgage subject to "capital & interest" repayment

Notes: "Other" multiplied by proportion of mortgage subject to "interest only" repayment

Notes: "Other" multiplied by proportion of mortgage subject to "interest only" repayment

Notes: "Support for Mortgage Interest; if a mortgage borrower is getting: •Income Support •income-based Jobseeker’s Allowance •income-related Employment and Support Allowance •Pension Credit (The primary aim of the Support for Mortgage Interest policy is to provide support for homeowners at risk of repossession.)"

Notes: "The UK has not needed to introduce specific secularization laws, as Firms can securities mortgages under the existing UK legal framework." (Financial Services Authority, 2007)

Notes: % of # of mortgages 6 months or more in arrears. Simple average of 11 annual figures of 2001 to 2006..

Notes: % of mortgage book for building societies. Simple average of 4thQ figures of 2001 to 2006.

Notes: 1. Mortgage Product Sales Data includes regulated mortgage contracts only, therefore excludes other regulated home finance products such as home purchase plans and home reversions, and unregulated products such as second charge lending and buy-to-let mortgages. 2. Revisions to this data can result from the receipt of new data not previously available for earlier published reports, late and corrected submissions of data and by the identification of errors in the original data. 3. The figures in this report may differ from those published in the Mortgage Product Sales Data Trend Report, as the trend report excluded business loans.

Notes: 1. Mortgage Product Sales Data includes regulated mortgage contracts only, therefore excludes other regulated home finance products such as home purchase plans and home reversions, and unregulated products such as second charge lending and buy-to-let mortgages. 2. Revisions to this data can result from the receipt of new data not previously available for earlier published reports, late and corrected submissions of data and by the identification of errors in the original data. 3. The figures in this report may differ from those published in the Mortgage Product Sales Data Trend Report, as the trend report excluded business loans.

Notes: 2 year, 75% LTV

Notes: 2 year, 75% LTV

Notes: 2010 not available from WDI. ONS mid year estimate used instead (ONS matches the previous figures from WDI)

Notes: 5 year, 75% LTV

Notes: 5 year, 75% LTV

Notes: 90 percentile of the ratio. Other notes, see 3.10.3

Notes: A very small proportion of Uk market<1% almost none of which are interest only. Modal rates on IO look similar to 10 year products and these are given

Notes: Annual Population Survey (16-64 year olds)

Notes: Annual Population Survey (16-64 year olds)

Notes: Annual Population Survey (16-64 year olds)

Notes: Annualized from Bank of England rate history

Notes: Annualized from Bank of England rate history

Notes: Annualized from Bank of England rate history

Notes: Annualized from Bank of England rate history

Notes: Bank of England average rate for instant access accounts (unrestricted withdrawals)

Notes: Bank of England Consolidated Market Notice: Special Liquidity Scheme

Notes: Bank of England Consolidated Market Notice: Special Liquidity Scheme

Notes: Bank of England Consolidated Market Notice: Special Liquidity Scheme

Notes: Bank of England Consolidated Market Notice: Special Liquidity Scheme

Notes: Banks (* from 2010, BoE combined banks and building societies' data)

Notes: Banks (* from 2010, BoE combined banks and building societies' data)

Notes: Banks (* from 2010, BoE combined banks and building societies' data)

Notes: Banks (* from 2010, BoE combined banks and building societies' data)

Notes: Based on annual figures averaged from mix-adjusted quarterly medians

Notes: Based on annual figures averaged from mix-adjusted quarterly medians

Notes: Building societies

Notes: Building societies

Notes: Building societies

Notes: Building societies

Notes: Calculated from ONS mid-year population estimates and household estimates

Notes: Calculated from ONS mid-year population estimates and household estimates

Notes: Council Tax has a disproportionate impact on renters. Housing benefit for renters is not in a form of tax benefits.

Notes: Council Tax has a disproportionate impact on renters. Housing benefit for renters is not in a form of tax benefits.

Notes: Council Tax is tax on residential property, regardless of ownership; that is, renters also have to pay for their homes.

Notes: Council Tax is tax on residential property, regardless of ownership; that is, renters also have to pay for their homes.

Notes: Council Tax is tax on residential property, regardless of ownership; that is, renters also have to pay for their homes.

Notes: Council Tax is tax on residential property, regardless of ownership; that is, renters also have to pay for their homes.

Notes: Data in Square Meters for England only

Notes: Data in Square Meters for England only

Notes: Data in Square Meters for England only

Notes: Data Protection Act helps to protect your interests by obliging organizations to manage the information they hold in a proper way. It states that anyone who processes personal information must comply with eight principles, which make sure that it is: •fairly and lawfully processed; •processed for limited purposes; •adequate, relevant and not excessive; •accurate and up to date; •not kept for longer than is necessary; •processed in line with your rights; •secure; and •not transferred to other countries without adequate protection.

Notes: Denominator: outstanding of total sterling net lending to individuals and housing associations.

Notes: Denominator: outstanding of total sterling net lending to individuals and housing associations.

Notes: Denominator: outstanding of total sterling net lending to individuals and housing associations.

Notes: England only

Notes: England only

Notes: England only

Notes: England only. # of property sales based on Land Registry data in in 66 local authorities, which were classified as 'major urban' by Department for Environment, Food and Rural Affairs (DEFRA) based on the 2001 Census.

Notes: England only. # of property sales based on Land Registry data in in 66 local authorities, which were classified as 'major urban' by Department for Environment, Food and Rural Affairs (DEFRA) based on the 2001 Census.

Notes: England only. # of property sales based on Land Registry data in in 66 local authorities, which were classified as 'major urban' by Department for Environment, Food and Rural Affairs (DEFRA) based on the 2001 Census.

Notes: England only.city center: the area around the core of a large city. other urban center: the area around towns and small cities, and also older urban areas which have been swallowed up by a metropolis.

Notes: Estimated based on a graph on The Poverty Site, which reports the following sources: (1) Households Below Average Income and (2) Family Resources Survey. Figures are for financial years (2008 = 2008/09).

Notes: Estimated based on a graph on The Poverty Site, which reports the following sources: (1) Households Below Average Income and (2) Family Resources Survey. Figures are for financial years (2008 = 2008/09).

Notes: Estimated from financial statistics about the mutual lenders and deposit takers sector, including building societies: deposit from individuals

Notes: Estimated from financial statistics about the mutual lenders and deposit takers sector, including building societies: deposit from wholesale

Notes: Estimated from financial statistics about the mutual lenders and deposit takers sector. Primary funding source is securitization, some mortgage bonds and other market funding.

Notes: Estimated from financial statistics about the mutual lenders and deposit takers sector. This part includes securitization, some mortgage bonds and other market funding.

Notes: Estimated from financial statistics about the mutual lenders and deposit takers sector. This part includes securitization, some mortgage bonds and other market funding.

Notes: Estimated from financial statistics about the mutual lenders and deposit takers sector. This part includes securitization, some mortgage bonds and other market funding.

Notes: Figures provided for all completions - couldn't find a formal/informal breakdown. Figures are for the closest financial year

Notes: Financial Services Authority; Financial Stability Board (succeeded to Financial Stability Forum in April 2009)

Notes: Financial Stability Review

Notes: Fiscal year base. * 1stQ of 2010.

Notes: Fiscal year base. * 1stQ of 2010.

Notes: Fiscal year base. * 1stQ of 2010.

Notes: For 22+ year olds, averaged by month and assuming full time work and a 7.5 hour day

Notes: For 22+ year olds, averaged by month and assuming full time work and a 7.5 hour day

Notes: For 22+ year olds, averaged by month and assuming full time work and a 7.5 hour day

Notes: Gross (pre-tax) household income. London only.

Notes: Gross disposable household income. London only. Average household income multiplied by household projection.

Notes: Homebuyer's report costs £250 -£500. ( For more comprehensive survey such as building structure survey, the fee is £1000 plus.)

Notes: Homeowners mortgage support scheme started in April 2009.

Notes: However, lenders must act within a statutory regime for regulating mortgages Mortgage Conduct of Business set by the Financial Services Authority in October 2004.

Notes: However, lenders must act within a statutory regime for regulating mortgages Mortgage Conduct of Business set by the Financial Services Authority in October 2004.

Notes: However, lenders must act within a statutory regime for regulating mortgages Mortgage Conduct of Business set by the Financial Services Authority in October 2004.

Notes: However, lenders must act within a statutory regime for regulating mortgages Mortgage Conduct of Business set by the Financial Services Authority in October 2004.

Notes: In the jurisdiction of Property Law. (Consumer Credit Act 2006 and Financial Services and Markets Act are highly relevant.)

Notes: In the jurisdiction of Property Law. (Consumer Credit Act 2006 and Financial Services and Markets Act are highly relevant.)

Notes: In the jurisdiction of Property Law. (Consumer Credit Act 2006 and Financial Services and Markets Act are highly relevant.)

Notes: In the UK all formal transactions are registered with the Land Registry or equivalent organisation

Notes: In the UK all formal transactions are registered with the Land Registry or equivalent organisation

Notes: In the UK all formal transactions are registered with the Land Registry or equivalent organisation

Notes: In the UK all formal transactions are registered with the Land Registry or equivalent organization

Notes: Included in Others

Notes: Included in Others

Notes: Inner London data. The assumption: a. House sizes between 100-280m2; b. standard quality; c. including a garage (one car with a flat roof); d. traditional brick/block.

Notes: Internal rule

Notes: Internal rule

Notes: Land Registry fee rose to £280 (for £200,001 - £500,000) in July 2009

Notes: Land Registry, which is the government department responsible for the land/property registers for England and Wale, has been aiming to process registrations within 12 days from the application day, and more than 80% of registration processes meet the target.

Notes: Land Registry, which is the government department responsible for the land/property registers for England and Wale, has been aiming to process registrations within 12 days from the application day, and more than 80% of registration processes meet the target.

Notes: Land Registry, which is the government department responsible for the land/property registers for England and Wale, has been aiming to process registrations within 12 days from the application day, and more than 80% of registration processes meet the target.

Notes: Legal system is well organised for lines. However, local governments has Mortgage Rescue Scheme or Repossession Prevention Scheme to protect borrowers.

Notes: Local authority search fee (£60) and other search fee (£70).

Notes: London only. Including new housing figures.

Notes: London only. Including new housing figures.

Notes: Median of percent advance for first time buyers

Notes: Mortgage interest relief was withdrawn in April 2000

Notes: Mortgage interest relief was withdrawn in April 2000

Notes: Mortgage interest relief was withdrawn in April 2000

Notes: Mortgage interest relief was withdrawn in April 2000

Notes: National data is not available. Generally speaking, national prices/indices on property market have proxy to those in the North West region. For reference, thus, the region's figure is set out. The assumption: a. House sizes between 100-280m2; b. standard quality; c. including a garage (one car with a flat roof); d. traditional brick/block.

Notes: Normally more than this value

Notes: Numerator: # of customers receiving Support for Mortgage Interest as at November 2009; Denominator: # of mortgage loan accounts in Q4 2009.

Notes: Outer London data. The assumption: a. House sizes between 100-280m2; b. standard quality; c. including a garage (one car with a flat roof); d. traditional brick/block.

Notes: Payment: Sum of interest, capital repayment and mortgage protection premium. Income: income and allowances

Notes: Pension Credit Guarantee Credit could be given to elderly people who have certain housing costs, such as mortgage interest payments.

Notes: Pension Credit Guarantee Credit could be given to elderly people who have certain housing costs, such as mortgage interest payments.

Notes: Please use IMF annual market exchange rates [2010: GBP 1.55 = 1 USD]. Typical example of lender's valuation fee (£165 for £100,000) but some lenders do not charge this type of fee to attract borrowers .

Notes: Please use IMF end of year market exchange rate [2008: USD 1.46 = 1 GBP]

Notes: Please use IMF end of year market exchange rate [2009: USD 1.62= 1 GBP]

Notes: Please use IMF end of year market exchange rate [2007: USD 2.00= 1 GBP]

Notes: Please use IMF end of year market exchange rate [2010: USD 1.56 = 1 GBP]

Notes: Quoted spread on new mortgage lending – that is the difference between a measure of the cost of funds and the interest rate charged on new lending on tracker mortgages. Values are approximate.

Notes: ratio of median house price to median earnings

Notes: ratio of median house price to median earnings

Notes: ratio of median house price to median earnings

Notes: ratio of median house price to median earnings

Notes: Rent to HomeBuy

Notes: Rent to HomeBuy

Notes: Rent to HomeBuy

Notes: Several shared ownership scheme other than Rent to HomeBuy; and Mortgage Interest Run On (MIRO) -- four weeks of money you can get towards paying your housing costs

Notes: Several shared ownership scheme other than Rent to HomeBuy; and Mortgage Interest Run On (MIRO) -- four weeks of money you can get towards paying your housing costs

Notes: Several shared ownership scheme other than Rent to HomeBuy; and Mortgage Interest Run On (MIRO) -- four weeks of money you can get towards paying your housing costs

Notes: Short term Government bond yield.

Notes: Standard variable + discounted variable

Notes: Standard variable + discounted variable

Notes: Subsidy for ailing banks/building societies

Notes: Tax free policy for mortgage payment protection insurance

Notes: Tax free policy for mortgage payment protection insurance

Notes: The cost varies and no official data. In Survey by Scotland, the cost includes, court costs and costs during the repossession process - the latter consists of solicitors costs, lenders fee ( if repossessed), fee for every month the account is in arrears, cost of reviewing file and pass it on to solicitors, and legal fees including letters. The estimate is a case of 6-month arrear, using outstanding debt at the time of repossession.

Notes: The court files suggest that lenders tend to apply for possession when there are around 2 or 3 months arrears (South West Councils, 2009). On the hands, there exists cases with mortgages 12 months or more in arrears in the statistics of the CLG over the relevant period.

Notes: The court files suggest that lenders tend to apply for possession when there are around 2 or 3 months arrearsSouth West Councils, 2009). On the hands, there exists cases with mortgages 12 months or more in arrears in the statistics of the CLG over the relevant period

Notes: The court files suggest that lenders tend to apply for possession when there are around 2 or 3 months arrearsSouth West Councils, 2009). On the hands, there exists cases with mortgages 12 months or more in arrears in the statistics of the CLG over the relevant period.

Notes: The court files suggest that lenders tend to apply for possession when there are around 2 or 3 months arrearsSouth West Councils, 2009). On the hands, there exists cases with mortgages 12 months or more in arrears in the statistics of the CLG over the relevant period.

Notes: The fee you pay the solicitor or conveyancer for working for you. For a £150,000 property, expect to pay at least £325 + VAT.

Notes: The great majority of the recipient of income supports subject to 2.1.2 and 2.1.6 belonged to the lowest quartile of income distribution.

Notes: The great majority of the recipient of income supports subject to 2.1.2 and 2.1.6 belonged to the lowest quartile of income distribution.

Notes: The great majority of the recipient of income supports subject to 2.1.2 and 2.1.6 belonged to the lowest quartile of income distribution.

Notes: The lowest quartile

Notes: The methodology used to calculate these series has changed from January 2008 onwards. These changes have been applied to the combined bank and building society series historically dating back to January 2005 for consistency

Notes: The methodology used to calculate these series has changed from January 2008 onwards. These changes have been applied to the combined bank and building society series historically dating back to January 2005 for consistency

Notes: The methodology used to calculate these series has changed from January 2008 onwards. These changes have been applied to the combined bank and building society series historically dating back to January 2005 for consistency

Notes: The methodology used to calculate these series has changed from January 2008 onwards. These changes have been applied to the combined bank and building society series historically dating back to January 2005 for consistency

Notes: The methodology used to calculate these series has changed from January 2008 onwards. These changes have been applied to the combined bank and building society series historically dating back to January 2005 for consistency.

Notes: The methodology used to calculate these series has changed from January 2008 onwards. These changes have been applied to the combined bank and building society series historically dating back to January 2005 for consistency.

Notes: The methodology used to calculate these series has changed from January 2008 onwards. These changes have been applied to the combined bank and building society series historically dating back to January 2005 for consistency.

Notes: The national income distribution figures are used. This is this lowest income level of any type of adult (i.e., not income of a household).

Notes: The national income distribution figures are used. This is this lowest income level of any type of adult (i.e., not income of a household).

Notes: The percentages provided are for England only. England dwelling stock: http://www.communities.gov.uk/documents/housing/xls/table-104.xls

Notes: The percentages provided are for England only. England dwelling stock: http://www.communities.gov.uk/documents/housing/xls/table-104.xls

Notes: The Scottish Government has launched a mortgage indemnity scheme to help more first-time buyers get on the property ladder since 29 June 2011.

Notes: There are public assistance to prevent repossession, which could appear obstacles from the lenders' viewpoint.

Notes: There are public assistance to prevent repossession, which could appear obstacles from the lenders' viewpoint.

Notes: There are public assistance to prevent repossession, which could appear obstacles from the lenders' viewpoint.

Notes: There are public assistance to prevent repossession, which could appear obstacles from the lenders' viewpoint.

Notes: Total of 1st charge loans, 2nd and subsequent charge loans (where the borrower takes an extra loan from another lender) and some Further advance loans ( This applies in cases where a 1st charge lender grants a further advance on the original mortgage, but for administrative purposes treats it as a separate loan account).

Notes: Total of 1st charge loans, 2nd and subsequent charge loans (where the borrower takes an extra loan from another lender) and some further advance loans ( This applies in cases where a 1st charge lender grants a further advance on the original mortgage, but for administrative purposes treats it as a separate loan account).

Notes: Tracker

Notes: Traditionally, UK mortgage lenders use Master Trust programmes to issue RMBS-- namely; Mounds -- HBOS (Bank of Scotland); Gracechurch – Barclays; Permanent – HBOS (Halifax); Arkle – Cheltenham & Gloucester; Holmes – Abbey; Lothian – Standard Life; Fosse – Alliance & Leicester. Values are approximate.

Notes: Traditionally, UK mortgage lenders use Master Trust programmes to issue RMBS-- namely; Mounds -- HBOS (Bank of Scotland); Gracechurch – Barclays; Permanent – HBOS (Halifax); Arkle – Cheltenham & Gloucester; Holmes – Abbey; Lothian – Standard Life; Fosse – Alliance & Leicester. Values are approximate

Notes: Trivial. "Very few people know that it is possible to obtain a foreign currency mortgage for UK residential properties (http://www.internationalmortgagebrokers.co.uk/foreign-currency-mortgages/foreign-currency-mortgages.html)"

Notes: Value is normally less than

Notes: Value is normally less than

Notes: Value is normally less than

Notes: Value is normally less than

Notes: Value is normally less than

Notes: Values are typically <90%

Notes: WEO Estimate for 2008, 2009 & 2010.

Notes: WEO Estimate for 2008, 2009 & 2010.

Notes: WEO Estimate for 2008, 2009 & 2010.

Notes: WEO Estimate for 2008, 2009 & 2010.