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MLAR Statistics: June 2016 Edition Summary

Core Content Overview

This document presents statistical data on residential loans to individuals in the UK, covering both regulated and non-regulated categories. The data includes balances, business flows, interest rate analysis, income multiple and loan-to-value (LTV) ratios, nature of loans, and loan purposes. The data is not seasonally adjusted and spans the years 2014 to 2016, with quarterly data up to Q1 2016.

Main Tables and Their Descriptions

1.11 Residential Loans to Individuals: Balances on & Off Balance Sheet

• Regulated Unsecuritised Loans: Increased steadily from £931,773 million in Q4 2014 to £965,276 million in Q1 2016.
• Regulated Securitised Loans: Declined slightly from £64,943 million in Q4 2014 to £57,183 million in Q1 2016.
• Non-regulated Unsecuritised Loans: Rose from £237,266 million in Q4 2014 to £245,134 million in Q1 2016.
• Non-regulated Securitised Loans: Decreased from £26,141 million in Q4 2014 to £23,828 million in Q1 2016.
• Total Unsecuritised Loans: Increased from £1,169,040 million in Q4 2014 to £1,210,410 million in Q1 2016.
• Total Securitised Loans: Decreased from £91,083 million in Q4 2014 to £81,011 million in Q1 2016.
• Total Residential Loans: Increased from £1,260,123 million in Q4 2014 to £1,291,421 million in Q1 2016.

1.21 Residential Loans to Individuals: Business Flows

• Regulated Loans:
  • Gross Advances: Declined in Q1 2015 but increased in Q1 2016.
  • Net Advances: Fluctuated with a slight increase in Q1 2016.
  • New Commitments: Increased in Q2 and Q3 2015, then slightly declined in Q1 2016.
• Non-regulated Loans:
  • Gross Advances: Increased in Q1 and Q2 2015, then slightly declined in Q1 2016.
  • Net Advances: Rose significantly in Q1 2015 and continued to increase in Q1 2016.
  • New Commitments: Increased throughout the period with a slight decline in Q1 2016.
• Total (Regulated + Non-regulated) Loans:
  • Gross Advances: Increased in Q1 2016.
  • Net Advances: Increased significantly in Q1 2016.
  • New Commitments: Increased in Q2 and Q3 2015, then slightly declined in Q1 2016.

1.22 Residential Loans to Individuals: Interest Rate Analysis

• Regulated Loans:
  • Fixed Rate Loans: Increased from 83.33% in Q4 2014 to 86.03% in Q1 2016.
  • Variable Rate Loans: Increased from 2.47% in Q4 2014 to 2.56% in Q1 2016.
  • All Loans: Increased from 3.17% in Q4 2014 to 3.07% in Q1 2016.
• Non-regulated Loans:
  • Fixed Rate Loans: Increased from 76.84% in Q4 2014 to 75.28% in Q1 2016.
  • Variable Rate Loans: Increased from 3.68% in Q4 2014 to 3.27% in Q1 2016.
  • All Loans: Increased from 3.70% in Q4 2014 to 3.27% in Q1 2016.
• Total (Regulated + Non-regulated) Loans:
  • Fixed Rate Loans: Increased from 82.24% in Q4 2014 to 84.09% in Q1 2016.
  • Variable Rate Loans: Increased from 2.74% in Q4 2014 to 2.51% in Q1 2016.
  • All Loans: Increased from 3.26% in Q4 2014 to 3.07% in Q1 2016.

1.31 Residential Loans to Individuals: Income Multiple and LTV

• Regulated Loans:
  • Single Income:
    • Income Multiple: Increased from 38.31% in Q4 2014 to 37.13% in Q1 2016.
    • LTV:
      • <=75%: Declined from 59.76% in Q4 2014 to 61.08% in Q1 2016.
      • Over 75% <=90%: Increased from 35.80% in Q4 2014 to 35.13% in Q1 2016.
      • Over 90% <=95%: Declined from 4.16% in Q4 2014 to 3.66% in Q1 2016.
      • Over 95%: Declined from 0.28% in Q4 2014 to 0.13% in Q1 2016.
  • Joint Income:
    • Income Multiple: Increased from 61.69% in Q4 2014 to 62.87% in Q1 2016.
    • LTV:
      • <=75%: Increased from 88.81% in Q4 2014 to 90.67% in Q1 2016.
      • Over 75% <=90%: Increased from 10.56% in Q4 2014 to 8.93% in Q1 2016.
      • Over 90% <=95%: Increased from 0.04% in Q4 2014 to 0.06% in Q1 2016.
      • Over 95%: Declined from 0.60% in Q4 2014 to 0.34% in Q1 2016.
• Non-regulated Loans:
  • Single Income:
    • Income Multiple: Increased from 85.92% in Q4 2014 to 84.35% in Q1 2016.
    • LTV:
      • <=75%: Increased from 88.81% in Q4 2014 to 90.67% in Q1 2016.
      • Over 75% <=90%: Increased from 10.56% in Q4 2014 to 8.93% in Q1 2016.
      • Over 90% <=95%: Increased from 0.04% in Q4 2014 to 0.06% in Q1 2016.
      • Over 95%: Declined from 0.60% in Q4 2014 to 0.34% in Q1 2016.
  • Joint Income:
    • Income Multiple: Increased from 14.08% in Q4 2014 to 15.65% in Q1 2016.
    • LTV:
      • <=75%: Increased from 88.81% in Q4 2014 to 90.67% in Q1 2016.
      • Over 75% <=90%: Increased from 10.56% in Q4 2014 to 8.93% in Q1 2016.
      • Over 90% <=95%: Increased from 0.04% in Q4 2014 to 0.06% in Q1 2016.
      • Over 95%: Declined from 0.60% in Q4 2014 to 0.34% in Q1 2016.

1.32 Residential Loans to Individuals: Nature of Loan

• Regulated Loans: Not detailed in the table.
• Non-regulated Loans: Not detailed in the table.
• Total Loans: Not detailed in the table.

1.33 Residential Loans to Individuals: Purpose of Loan

• Regulated Loans: Not detailed in the table.
• Non-regulated Loans: Not detailed in the table.
• Total Loans: Not detailed in the table.

1.4 Residential Loans to Individuals (Unsecuritised): Arrears in Detail

• Regulated Loans: Not detailed in the table.
• Non-regulated Loans: Not detailed in the table.
• Total Loans: Not detailed in the table.

1.5 Residential Loans to Individuals: Mortgage Administration

• Regulated Loans: Not detailed in the table.
• Non-regulated Loans: Not detailed in the table.
• Total Loans: Not detailed in the table.

1.6 Residential Loans to Individuals (Securitised): Arrears in Detail

• Regulated Loans: Not detailed in the table.
• Non-regulated Loans: Not detailed in the table.
• Total Loans: Not detailed in the table.

1.7 Residential Loans to Individuals (Unsecuritised and Securitised): Arrears in Detail

• Regulated Loans: Not detailed in the table.
• Non-regulated Loans: Not detailed in the table.
• Total Loans: Not detailed in the table.

Key Information

• Total Residential Loans to Individuals: Increased from £1,260,123 million in Q4 2014 to £1,291,421 million in Q1 2016.
• Fixed Rate Loans: Showed an upward trend for both regulated and non-regulated loans, indicating a growing preference for fixed-rate mortgages.
• Variable Rate Loans: Showed a slight decline for both regulated and non-regulated loans, suggesting a shift in market dynamics.
• LTV Ratios: Showed a mix of increases and decreases across different categories, indicating changes in lending risk profiles.
• Income Multiple: Increased for both regulated and non-regulated loans, suggesting a growing proportion of loans based on higher income multiples.
• Arrears Data: Not detailed in the table, but the data is available for further analysis.

Main Viewpoints

• Regulated Loans generally showed more stability in their values compared to non-regulated loans.
• Non-regulated Loans experienced more fluctuations, particularly in business flows and new commitments.
• Interest Rates for both regulated and non-regulated loans were on a downward trend, indicating a potential shift in market conditions.
• LTV and Income Multiple data suggests that lending practices are evolving, with a trend towards higher income multiples and lower LTV ratios.
• The data is not seasonally adjusted, which means it should be interpreted with caution regarding seasonal variations.