Mortgage mortgages Services In The United Kingdom

Sample characteristics

The consideration of the sample regarding the usage of mortgage and other crucial relationships are depicted by the leading incentives of growth (Houlbrook, 2011). Certainly, the data highlighting the scope of market performance is given by the following summary.

Sample questionnaire for the research

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The aspect of developing ideal questionnaire is very essential for the collection of credible and relevant information. The collection of relevant information generally results in the depiction of accurate results. With regards to the identification of information regarding the operation of the mortgage market in the United Kingdom, the identification of the figures and the numbers helps in the derivation of the actual situation within the market. The depiction of the sample questionnaire is as follows

  • This question is directed to the management of the three banks and is seeks to find the total number of people that approaches the bank for the aspect of mortgages. The management must fill the information relating to the increase and decrease in the number of approaches in various sections.
  • The operation of this research also seeks to find the number of financial institutions that have adopted the capacity of financial institutions that offer these mortgages services. Therefore, the analysis of this research has been extremely crucial in identifying the leading financial institutions from the various locations of the nations.
  • Over the period, research has shown that various member of the public seek advice from the bank managers with regard to the scope of financial mortgages and other financial services. Therefore, this analysis and research seeks to find the number of people with interest in mortgages.
  • Annual income has also been identified as the determining factor during the identification of research analysis concerning the operations of the financial market. This research will seek to find the relevance of income with regards to the aspect of financial operations in the market. This research analysis will identify the impact of income in mortgages.
  • Finally, the aim of the research is to identify the contributions of age with regards to the determination of mortgages. The researchers will seek to understand the contribution of age in the financial market and information from the bank management will reveal this information.


                                                      Case Processing Summary


Included N

Excluded Total
Percent N Percent N Percent
Total approaches * F7 9 45.0% 11 55.0% 20 100.0%
Total approaches * Outcome of the approach 9 45.0% 11 55.0% 20 100.0%
Total approaches * F5 9 45.0% 11 55.0% 20 100.0%
Total approaches * F6 9 45.0% 11 55.0% 20 100.0%


The graph above has provided the confirmation that the mortgage in the United Kingdom has undergone critical transformation and changes thereby leading to the expansion of the market. Over the period, the banking and mortgage market in the United Kingdom has experienced the rise in development and this is characterized by the introduction of several products (Dale, 2013). The introduction of various products and commodities has been of extreme benefits some of which ensures the realization of different mortgage alternatives and this result in the critical transformation of the housing market.

There are various benefits derived from the introduction of new substances and products in the market because a wider range of people has access to loans. The increase in the availability of loans in the market is the resulting factor that is accorded to the population and the following table.

             Total approaches * Outcome of the approach


Total approaches

Outcome of the approach Mean N Std. Deviation
6.00 244.0000 1 .
9.00 776.5000 2 219.91021
19.00 689.0000 1 .
21.00 454.0000 1 .
22.00 404.0000 1 .
26.00 861.0000 1 .
31.00 435.0000 1 .
44.00 399.0000 1 .
Total 559.8889 9 230.84651


From the table above, it is ideal to mention that the market has experienced rising number of rising approaches because of a significant number of the population that seeks the perspective of mortgage financing. From the above table, it is ideal to mention that the standard deviation is given by the number of 230.847 and this confirms the rising number of citizens seeking the scope of mortgage financing.

Other indication of the data collected from the market with regards to descriptions, age and gender attributes have been significantly important factors. In view of the above information, the illustration of the development that has resulted in the market because of the expansion of the financial market and the development of new products that satisfies the market (Dale, 2013). The above information can be summarized through the use of the following tables.

                                                Test Statistics


  Outcome of the approach F6 F5 F7
Chi-Square(a,b) .778 .000 .000 .000
df 7 8 8 8
Asymptotic Significance .998 1.000 1.000 1.000

a  8 Cells 100.0% low freqs 1.1 expected low…

b  9 Cells 100.0% low freqs 1.0 expected low…


                                                    Descriptive Statistics


  N Mean Std. Deviation Minimum Maximum
Outcome of the approach 9 20.7778 12.10142 6.00 44.00
F6 9 131.5556 18.98098 97.00 155.00
F5 9 203.2222 121.62111 60.00 469.00
F7 9 27.6667 15.80348 7.00 48.00


The above factors and tables largely contribute towards the performance of  the  mortgage market in the United Kingdom.  The information above shows the maximum and minimum number of citizens that have adopted the incentive of using loan mortgages for the establishment of development and for personal growth.

Certainly, the information is essential in highlighting different factors that characterize the market. The main financial market is characterized by the increase in the perception of the market but the changes in the market have been critically enhanced by the introduction of brokers (Holt & Morris, 2013). These brokers have necessarily reduced the reduction in the guidelines and restrictions in the acquisition of mortgages. In this regard, mortgage development and enhancement of mortgage and its benefits that result in the scope of increased performance and development of the entire market.

Objective 1

Another important factor that is essential for this chapter is the consideration of the impact mortgages and their increase in FDI. Foreign direct investment has been regarded as an extremely important factor that results in the advancement of the performance. In reality, the reduction in the scope of the UK banking sector has resulted in the scope of increased participation from the non-UK firms that offer the same service (Holt & Morris, 2013). The essence of increased growth in the financial attributes of the United Kingdom has enhanced the realization of increased growth. However, the happenings of the financial attribute have reduced its overall performance and relevance. Other observations have identified this as the chance for ensuring the increase in the scope of FDI.

Finally, age has been regarded as an extremely beneficial factor that results in the alteration of the leading financial market determinants (Pais, 2008). The conduction of regression analysis has provided the essence of factors depicting the relationship between these two incentives as illustrated below.



Residual Total

Model   Sum of Squares df Mean Square F Significance
1 Regression 123772.068 1 123772.068 2.864 .134(a)
302548.821 7 43221.260    
426320.889 8      

a  Predictors: (constant) F7…

b  Dependent Variable: Total approaches


annova illustration and regression capacity results illustrates positive relationship given as 123772.06 and other representation includes the following table below.



B  Tolerance Age

Model   Unstandardized Coefficients Standardized Coefficients t Significance Collinearity Statistics
Std. Error Beta VIF
1 (Constant) 342.133 146.153   2.341 .052    
7.871 4.651 .539 1.692 .134 1.000 1.000

a  Dependent Variable: Total approaches

The results of the analysis conducted within the market of the United Kingdom have revealed that organizations have spread significantly thereby ensuring the increase in the provision of services. The results have further shown that the market is saturated with the partakers from different market sectors from both UK market and other investors from outside (Pais, 2008). This can be adequately illustrated through the use of the table below.

                                                            Case Summaries(a)


Total       Total     Total   Total 9.00        Total       Total     Total   200.00        Total       Total     Total   Total 19.00        Total       Total     Total   Total 21.00        Total       Total     Total   Total 22.00        Total       Total     Total   Total 26.00        Total       Total     Total   Total 31.00        Total       Total     Total   Total 44.00        Total       Total     Total   Total Total

Outcome of the approach 6.00 F5 60.00 F6 118.00 F7 7.00 1 North East  
N 1  
N 1  
N 1  
N 1  
F5 469.00 F6 134.00 F7 42.00 1 North West  
N 1  
N 1  
N 1  
F6 146.00 F7 48.00 1 East  
N 1  
N 1  
N 1  
N 2  
F5 262.00 F6 155.00 F7 17.00 1 South East  
N 1  
N 1  
N 1  
N 1  
F5 191.00 F6 137.00 F7 8.00 1 West Midlands  
N 1  
N 1  
N 1  
N 1  
F5 100.00 F6 120.00 F7 44.00 1 South West  
N 1  
N 1  
N 1  
N 1  
F5 269.00 F6 154.00 F7 38.00 1 Yorkshire and the Humber  
N 1  
N 1  
N 1  
N 1  
F5 126.00 F6 97.00 F7 19.00 1 London  
N 1  
N 1  
N 1  
N 1  
F5 152.00 F6 123.00 F7 26.00 1 East Midlands  
N 1  
N 1  
N 1  
N 1  
N 9

a  Limited to first 100 cases.


The Case above is ideal in representing the crucial movement that results from the integration of the leading features of development and further ensures the realization of extreme developmental attributes. The information above has significant representation of the operation of the banks and they have impacted on the derivation of performance. With the majority of the firms operating at an average of 5years before the removal of the blacklist and the integration of another default rate helps the banks identify reliable customers. This information has been regarded as very essential in the determination of the best loaners. In reality, loans and mortgages are the attributes of investment for the banks and they must ensure that they chose carefully before integrating their performance. These measures further results in the capacity of adopting the best practices that enhances the awarding of loans to the most qualified people in the market.


The information regarding this chapter has provided a clear incentive of the leading factors that determine the operation of the financial market in the United Kingdom. It has been identified that mortgages are considered as extremely essential factors in the market and the provision of this service has been integrated with the FDI. Further results have shown that age, annual income level and gender are some essential factors that determine the amount of mortgages. These findings have also stated that mortgages in the UK market have experienced disparities because of high restrictions.


Ray, D 2012, ‘Aussie firm looking to set up UK mortgage lender’, Mortgage Strategy (Online Edition), p. 5, Business Source Complete,

Ray, D 2013, Firms looking to set up UK mortgage lender’, Mortgage Strategy (Online Edition)

Dale, S 2013, ‘UK wins B2L and guarantor mortgage carve outs in Euro directive’, Money Marketing (Online Edition), p. 12

Stephens, M, & Quilgars, D 2008, ‘Sub-prime Mortgage Lending in the UK’, European Journal Of Housing Policy, 8, 2, pp. 197-215

Broadhead, P 2013, ‘The EU mortgage directive: A win or an oncoming train for the UK?’, Mortgage Strategy (Online Edition), p. 1

Cho, Y, Hwang, S, & Satchell, S 2012, ‘The Optimal Mortgage Loan Portfolio in UK Regional Residential Real Estate’, Journal Of Real Estate Finance & Economics, 45, 3, pp. 645-677

Houlbrook, B 2011, ‘An Insight into the World of Mortgage Fraud in the US and UK’, Housing Finance International, 25, 3, pp. 34-42

‘HSBC’s exit raises questions about the potential of the UK Islamic mortgage market’ 2012, Marketwatch: Financial Services, 12, 11, p. 43,

Dale, S 2013, ‘BoE: Rising interest rates would threaten UK economy’, Money Marketing (Online Edition), p. 11

Holt, N, & Morris, P 2013, ‘Santander UK profits fall 24% as mortgage market share slumps’, Money Marketing (Online Edition), p. 10

‘Government help for UK house buyers may give RMBS a lift’ 2013, Euroweek, 1297, p. 68

‘Residential Mortgages Industry Profile: United Kingdom’ 2013, Residential Mortgages Industry Profile: United Kingdom, pp. 1-35

Pais, 2008, ‘Securitization and Rate Setting in the UK Mortgage Market’, International Review Of Finance, 8, 1/2, pp. 57-80

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