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MLAR Statistics Summary: September 2016 Edition

Core Content Overview

This document provides detailed statistics on Residential loans to individuals in the UK, divided into Regulated and Non-regulated categories. It includes data on balances, business flows, interest rates, income multiples, and Loan-to-Value (LTV) ratios for the period of 2015 Q1 to 2016 Q2.

Main Tables and Key Information

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

• Not seasonally adjusted
• Total residential loans to individuals (regulated and non-regulated) increased throughout 2015 and 2016.
• Unsecuritised loans for regulated amounted to £1,177,276 million in 2015 Q1 and rose to £1,222,471 million in 2016 Q2.
• Securitised loans for regulated increased slightly from £84,317 million in 2015 Q1 to £82,117 million in 2016 Q2.
• Non-regulated unsecuritised loans increased from £239,459 million in 2015 Q1 to £249,321 million in 2016 Q2.
• Non-regulated securitised loans decreased from £25,291 million in 2015 Q1 to £23,339 million in 2016 Q2.
• Total residential loans for regulated and non-regulated combined increased from £1,261,593 million in 2015 Q1 to £1,304,588 million in 2016 Q2.

1.21 Residential Loans to Individuals: Business Flows

• Not seasonally adjusted

• Regulated business flows:

  • Gross advances increased from £45,592 million in 2015 Q1 to £58,050 million in 2016 Q1, then decreased in Q2 to £57,849 million.
  • Net advances increased from £6,287 million in 2015 Q1 to £11,685 million in 2016 Q2.
  • New commitments rose from £47,209 million in 2015 Q1 to £68,118 million in 2016 Q2.
  • Loans (excluding overdrafts) increased from £1,177,276 million in 2015 Q1 to £1,240,971 million in 2016 Q2.
  • Commitments stock increased from £70,445 million in 2015 Q1 to £81,568 million in 2016 Q2.
  • Overdraft balances decreased slightly from £1,322 million in 2015 Q1 to £1,102 million in 2016 Q2.
  • Aggregate of credit limits decreased from £1,807 million in 2015 Q1 to £1,552 million in 2016 Q2.

• Non-regulated business flows:

  • Gross advances increased from £8,780 million in 2015 Q1 to £14,863 million in 2016 Q2.
  • Net advances increased from £1,706 million in 2015 Q1 to £5,382 million in 2016 Q2.
  • New commitments increased from £8,417 million in 2015 Q1 to £12,145 million in 2016 Q2.
  • Loans (excluding overdrafts) increased from £239,459 million in 2015 Q1 to £249,321 million in 2016 Q2.
  • Commitments stock fluctuated, increasing from £14,381 million in 2015 Q1 to £13,099 million in 2016 Q2.
  • Overdraft balances decreased from £356 million in 2015 Q1 to £195 million in 2016 Q2.
  • Aggregate of credit limits decreased from £356 million in 2015 Q1 to £287 million in 2016 Q2.

• All (regulated and non-regulated) business flows:

  • Gross advances increased from £45,592 million in 2015 Q1 to £58,050 million in 2016 Q1, then decreased to £57,849 million in Q2.
  • Net advances increased from £6,287 million in 2015 Q1 to £11,685 million in 2016 Q2.
  • New commitments increased from £47,209 million in 2015 Q1 to £68,118 million in 2016 Q2.
  • Loans (excluding overdrafts) increased from £1,177,276 million in 2015 Q1 to £1,240,971 million in 2016 Q2.
  • Commitments stock increased from £70,445 million in 2015 Q1 to £81,568 million in 2016 Q2.
  • Overdraft balances decreased from £1,322 million in 2015 Q1 to £1,102 million in 2016 Q2.
  • Aggregate of credit limits decreased from £1,807 million in 2015 Q1 to £1,552 million in 2016 Q2.

1.22 Residential Loans to Individuals: Interest Rate Analysis

• Not seasonally adjusted

• Regulated interest rates:

  • Per cent of business at fixed rates increased from 79.17% in 2015 Q1 to 82.83% in 2016 Q1, then decreased to 81.43% in Q2.
  • Per cent of business above Bank Rate:
    • Less than 2% above increased from 41.49% in 2015 Q1 to 59.79% in 2016 Q1, then decreased to 59.79% in Q2.
    • 2% to 3% above decreased from 36.67% in 2015 Q1 to 28.78% in 2016 Q1.
    • 3% to 4% above decreased from 14.47% in 2015 Q1 to 8.57% in 2016 Q2.
    • 4% or more above decreased from 7.37% in 2015 Q1 to 2.86% in 2016 Q2.
  • Overall weighted average interest rates:
    • Fixed rate loans decreased from 3.01% in 2015 Q1 to 2.52% in 2016 Q2.
    • Variable rate loans decreased from 2.28% in 2015 Q1 to 2.27% in 2016 Q2.
    • All loans decreased from 2.86% in 2015 Q1 to 2.48% in 2016 Q2.

• Non-regulated interest rates:

  • Per cent of business at fixed rates increased from 71.21% in 2015 Q1 to 76.80% in 2016 Q1, then decreased to 76.80% in Q2.
  • Per cent of business above Bank Rate:
    • Less than 2% above increased from 8.91% in 2015 Q1 to 23.62% in 2016 Q1.
    • 2% to 3% above increased from 45.64% in 2015 Q1 to 48.34% in 2016 Q1.
    • 3% to 4% above decreased from 35.89% in 2015 Q1 to 23.10% in 2016 Q1.
    • 4% or more above decreased from 9.56% in 2015 Q1 to 4.94% in 2016 Q1.
  • Overall weighted average interest rates:
    • Fixed rate loans decreased from 3.58% in 2015 Q1 to 3.15% in 2016 Q2.
    • Variable rate loans decreased from 3.49% in 2015 Q1 to 3.12% in 2016 Q2.
    • All loans decreased from 3.55% in 2015 Q1 to 3.14% in 2016 Q2.

• All (regulated and non-regulated) interest rates:

  • Per cent of business at fixed rates increased from 77.63% in 2015 Q1 to 81.43% in 2016 Q1, then decreased to 81.43% in Q2.
  • Per cent of business above Bank Rate:
    • Less than 2% above increased from 35.22% in 2015 Q1 to 51.39% in 2016 Q1.
    • 2% to 3% above increased from 38.40% in 2015 Q1 to 33.32% in 2016 Q1.
    • 3% to 4% above decreased from 23.02% in 2015 Q1 to 19.16% in 2016 Q2.
    • 4% or more above decreased from 16.28% in 2015 Q1 to 11.58% in 2016 Q2.
  • Overall weighted average interest rates:
    • Fixed rate loans decreased from 3.11% in 2015 Q1 to 2.63% in 2016 Q2.
    • Variable rate loans decreased from 2.58% in 2015 Q1 to 2.52% in 2016 Q2.
    • All loans decreased from 2.99% in 2015 Q1 to 2.63% in 2016 Q2.

1.31 Residential Loans to Individuals: Income Multiple and LTV

• Not seasonally adjusted

• Regulated income multiple:

  • Single income:
    • Less than 2.50 decreased from 38.55% in 2015 Q1 to 36.91% in 2016 Q2.
    • 2.50 to 3.00 decreased from 36.89% in 2015 Q1 to 36.91% in 2016 Q2.
    • 3.00 to 3.50 decreased from 5.88% in 2015 Q1 to 5.75% in 2016 Q2.
    • 3.50 to 4.00 decreased from 5.78% in 2015 Q1 to 5.75% in 2016 Q2.
    • 4.00 or over increased from 10.47% in 2015 Q1 to 11.22% in 2016 Q2.
  • Joint income:
    • Less than 2.00 increased from 11.40% in 2015 Q1 to 12.03% in 2016 Q2.
    • 2.00 to 2.50 increased from 8.74% in 2015 Q1 to 9.99% in 2016 Q2.
    • 2.50 to 2.75 increased from 5.23% in 2015 Q1 to 5.03% in 2016 Q2.
    • 2.75 to 3.00 decreased from 5.61% in 2015 Q1 to 5.03% in 2016 Q2.
    • 3.00 or over increased from 29.91% in 2015 Q1 to 35.14% in 2016 Q2.
  • LTV:
    • Less than 75% increased from 62.47% in 2015 Q1 to 62.21% in 2016 Q1.
    • Over 75% to 90% decreased from 33.44% in 2015 Q1 to 34.37% in 2016 Q2.
    • Over 90% to 95% decreased from 3.74% in 2015 Q1 to 3.28% in 2016 Q2.
    • Over 95% decreased from 0.35% in 2015 Q1 to 0.14% in 2016 Q2.

• Non-regulated income multiple:

  • Single income:
    • Less than 2.50 decreased from 84.32% in 2015 Q1 to 83.64% in 2016 Q2.
    • 2.50 to 3.00 decreased from 82.67% in 2015 Q1 to 83.64% in 2016 Q2.
    • 3.00 to 3.50 decreased from 83.74% in 2015 Q1 to 83.64% in 2016 Q2.
    • 3.50 to 4.00 decreased from 84.35% in 2015 Q1 to 83.64% in 2016 Q2.
    • 4.00 or over increased from 9.08% in 2015 Q1 to 9.52% in 2016 Q2.
  • Joint income:
    • Less than 2.00 increased from 15.68% in 2015 Q1 to 16.36% in 2016 Q2.
    • 2.00 to 2.50 increased from 17.33% in 2015 Q1 to 16.36% in 2016 Q2.
    • 2.50 to 2.75 increased from 16.26% in 2015 Q1 to 16.36% in 2016 Q2.
    • 2.75 to 3.00 increased from 15.65% in 2015 Q1 to 16.36% in 2016 Q2.
    • 3.00 or over increased from 24.73% in 2015 Q1 to 29.7% in 2016 Q2.
  • LTV:
    • Less than 75% increased from 88.90% in 2015 Q1 to 88.59% in 2016 Q2.
    • Over 75% to 90% decreased from 10.38% in 2015 Q1 to 10.94% in 2016 Q2.
    • Over 90% to 95% decreased from 0.05% in 2015 Q1 to 0.03% in 2016 Q2.
    • Over 95% decreased from 0.67% in 2015 Q1 to 0.43% in 2016 Q2.

Main Points and Trends

• Loan balances for both regulated and non-regulated categories showed a general upward trend in 2016 compared to 2015.
• Interest rates for all categories decreased over the period, with a notable shift toward fixed-rate loans.
• Income multiples for regulated loans were more concentrated in the Single income category, while Non-regulated loans showed a broader spread.
• LTV trends indicated a shift toward lower loan-to-value ratios, particularly in the Non-regulated category.

Summary of Key Information