Imagery for Credit

Topic Credit

Imagery for Credit

Topic Credit

What do mortgage holders who don’t switch have in common?

When an introductory mortgage rate expires the vast majority of borrowers remortgage, but a minority end up paying reversion interest rates. Who are these borrowers and how much could they benefit...

High loan to income mortgages - if the cap fits…

A cap on high loan to income mortgage lending was introduced to limit the risk of excessive household leverage, curb unsustainable credit growth and reduce risks of financial instability. But did...

Journey into distress part 2 – the profile of debtors in dif...

A close analysis of the UK’s troubled borrowers confirms many intuitive assumptions about distress, but it also throws up some unexpected findings. Different borrowers experience distress in...