Last updated 18/04/2018

IMLA Publications


IMLA has an active research programme, conducting regular 6 month surveys of both lenders and intermediaries and using the results to generate insights into the market in general, the intermediary market and policy issues.

IMLA also produces regular reports, articles and blogs on issues affecting the UK mortgage market. All of these are available below.

Mortgage borrowers and higher mortgage rates
Bob Pannell
June 2018

Bob Pannell looks at the impact of a potential Bank base rate rise this year on mortgage borrowers. Published in Mortgage Finance Gazette: https://www.mortgagefinancegazette.com/uncategorised/mortgage-borrowers-higher-mortgage-rates-06-06-2018/

Are you ready for GDPR?
May 2018

A guide to the requirements of the GDPR, which comes into force on 25th May 2018: this guide is designed to be helpful to lenders and intermediaries, and to complement the guidance issued to its members by the AMI.

Are we approaching the limits to lending growth?
Bob Pannell
April 2018

Bob Pannell discusses how net lending levels serve useful barometer for the underlying health of our mortgage market, as published in Financial Reporter:
http://www.financialreporter.co.uk/features/approaching-the-limits-to-lending-growth.html

IRESS Intermediary Mortgage Survey 2018
April 2018

The new ‘normal’ – prospects for 2018
Rob Thomas
March 2018

The fifth in our series of annual reports looking at the outlook for the UK mortgage market in the coming year.

Where next for first-time buyers?
Bob Pannell, Economic Adviser, IMLA
February 2018

The latest figures confirm that there were about 366,000 first-time buyers in the UK in 2017. This is a positive outcome, in a year when overall property transactions eased back a little. First-time buyers now account for 30% of overall housing market activity.

Buy to Let under pressure
Rob Thomas
February 2018

Looks at the impact which a plethora of tax and regulatory changes have had on the buy-to-let mortgage market and the wider implications for the private rented sector.

Mortgage Market Tracker, Q4 2017
January 2018

Keeping Britain Building: mortgage lending in the new build sector
Rob Thomas
November 2017

Examines lenders’ increasing confidence in lending on new-build property, together with the impact of the Help to Buy equity loan scheme.

Mortgage Market Tracker, Q3 2017
October 2017

The rebirth of specialist mortgage lenders
Rob Thomas
September 2017

Charts the rise, fall and resurgence of specialist lenders and the emergence of “challenger” banks.

The new ‘normal’ — prospects for 2017
Rob Thomas
April 2017

The fourth in our series of annual reports looking at the outlook for the UK mortgage market in the coming year.

IRESS Intermediary Mortgage Survey 2017
April 2017

Insights into the changing shape of the lender broker relationship
Rob Thomas
February 2017

Summarises the views of leading figures from four mortgage intermediary firms and four mortgage lenders about how they see the current state of the intermediary/lender relationship and how this might evolve in the future.

Is the mortgage market working for consumers?
Rob Thomas
November 2016

Analyses whether the market is delivering appropriate access to credit, together with sufficient competition and transparency for consumers.

Working together
AMI, CML and IMLA
September 2016

An industry guide to lender and intermediary accountabilities and responsibilities in mortgage sales and servicing: updated to take account of the Mortgage Credit Directive

The politics of a rationed housing market
Rob Thomas
July 2016

Argues for a more joined-up approach to UK housing policy.

The new ‘normal’ – prospects for 2016
Rob Thomas
February 2016

The third in our series of annual reports looking at the outlook for the UK mortgage market in the coming year.

IRESS Intermediary Mortgage Survey 2016
May 2016

The changing face of mortgage distribution
Rob Thomas
December 2015

Charts the changing pattern of intermediated and direct mortgage business pre-and post- the financial crisis.

Segmenting the UK mortgage market
Rob Thomas
October 2015

Examines the key issues facing the main segments making up today’s mortgage market: buy-to-let, first-time buyers, home movers, re-mortgagers, lifetime mortgages and further advances.

Regulatory layering: assessing the cumulative impact of new financial regulations
Rob Thomas
June 2015

Analyses the cost of the regulatory changes brought in following the financial crisis and the impact these have had on the efficiency of the financial system and on the wider economy.

The new ‘normal’ — one year on
Rob Thomas
April 2015

The second in our series of annual reports looking at the outlook for the UK mortgage market in the coming year.

UK Election 2015 — Criteria for housing and mortgage policy pledges
January 2015

Summarises the key agendas for the political parties and politicians to address during the election campaign.

IRESS Intermediary Mortgage Survey 2015
March 2015

IMLA member and intermediary surveys — Intermediary Lending Outlook
February 2015

December 2014–January 2105 research

MIPRU Simplification
IMLA; CML
December 2014

Joint response by the Council of Mortgage Lenders and the Intermediary Mortgage Lenders Association to the Financial Conduct Authority Consultation Paper CP 14/28

Financial Conduct Authority Consultation CP 14/20 on the implementation of the Mortgage Credit Directive and the new regime for second charge mortgages
December 2014

A response by the Intermediary Mortgage Lenders Association

The changing face of non-standard mortgage lending
Rob Thomas
November 2014

Looks at the impact of the financial crisis on non-standard borrowers: the self-employed, those with adverse credit, those borrowing into retirement and those with complex financial affairs.

Intermediary Mortgage Industry Bulletin: Autumn 2014
October 2014

IMLA member and intermediary surveys — Intermediary Lending Outlook
October 2014

Q3 2014 research

The new macro-prudential regime: when and how will the Bank of England intervene?
Rob Thomas and Peter Williams
June 2014

Examines the housing and mortgage markets and the likelihood of the Bank of England using its new macro-prudential powers to curb the latter.

Reshaping housing tenure in the UK: the role of buy-to-let
Rob Thomas
May 2014

Analyses the growth in the proportion of private rented sector properties being acquired without a mortgage.

Working together
AMI, CML and IMLA
April 2014

An industry guide to lender and intermediary accountabilities and responsibilities in mortgage sales and servicing: updated to take account of the Mortgage Market Review

Intermediary Mortgage Industry Bulletin: Spring 2014
March 2014

What is the new ‘normal’? — Mortgage lending in 2014–15 and the march back to a sustainable market
Rob Thomas
February 2014

The first in a series of annual reports looking at the outlook for the UK mortgage market in the coming year.

IMLA member and intermediary surveys — Intermediary Lending Outlook
February 2014

January 2014 research

Intermediary Mortgage Industry Bulletin: Autumn 2013
October 2013

IMLA member and intermediary surveys — Intermediary Lending Outlook
July 2013

July 2013 research

Rebalancing the housing and mortgage markets — critical issues
Professor Steve Wilcox
June 2013

Contributes to the discussion between government and the industry about the future operating basis and assumptions for the UK housing market, and whether current government support for the housing and mortgage markets will move both forward on a stable and sustainable basis.

IMLA summary of “Rebalancing the housing and mortgage markets — critical issues”
June 2013

IMLA intermediary survey
August 2012

July 2012

IMLA member survey — The mortgage market in 2013
June 2012

IMLA intermediary survey
December 2011

Q4 2011

IMLA member survey — Expectations for the mortgage market by 2016
December 2011

Working together
AMI, IMLA and CML
October 2010

An industry guide to lender and intermediary accountabilities and responsibilities in mortgage sales and servicing