MI p9_stats.qxd 22/1/09 15:37 Page 13
Statistics
9
Product Review
ALL MORTGAGE PRODUCTS: showing the number of cashbacks,
the average discount and the average fixed rate
Dec/Jan 2009
February 2009
Cashback Discount Rate Data Fixed Rate Data
Average cashback (GBP) = 313.02 (308.10 Dec/Jan) Total number of discount rates 192 (296 Dec/Jan) Total number of fixed rates 834 (898 Dec/Jan)
215 products (210 Dec/Jan) But excluding 0 stepped rate (0 Dec/Jan) But excluding 0 stepped rate (0 Dec/Jan)
Total cashbacks - 215 (210 Dec/Jan)
FIRST-TIME BUYER MORTGAGES SUBSEQUENT BUYER MORTGAGES
CASHBACK DATA CASHBACK DATA
Average cashback (GBP) 0.00 (0.00 Dec/Jan) 0 (0 Dec/Jan) products Average cashback (GBP) 319.49 (318.93 Dec/Jan)195 (177 Dec/Jan) products
Average cashback (%) 0.00 (0.00 Dec/Jan) 0 (0 Dec/Jan) products Average cashback (%) 0.00 (0.00 Dec/Jan) 0 (0 Dec/Jan) products
Num of fixed 0 (0 Dec/Jan) Num of fixed 149 (138 Dec/Jan)
Num of capped 0 (0 Dec/Jan) Num of capped 0 (0 Dec/Jan)
Num of discount 0 (0 Dec/Jan) Num of discount 31 (26 Dec/Jan)
Num of SV rate 0 (0 Dec/Jan) Num of SV rate 15 (13 Dec/Jan)
Total cashbacks 0 (0 Dec/Jan) Total cashbacks 195 (177 Dec/Jan)
DISCOUNT RATE DATA DISCOUNT RATE DATA
Number Average Number of Number Average Number of
of years Discount products of years Discount products
February Dec/Jan 09 February Dec/Jan 09 February Dec/Jan 09 February Dec/Jan 09
0 - 1 YEAR 0% 0% 0 0 0 - 1 YEAR 0% 0% 0 0
1 - 2 YEAR 0% 0.05% 0 4 1 - 2 YEAR 0.64% 0.32% 7 24
2 - 3 YEAR 0.25% 0.10% 1 4 2 - 3 YEAR 0.10% 0.23% 53 69
3 - 4 YEAR 0% 0.20% 0 4 3 - 4 YEAR 0.41% 0.42% 15 37
4 - 5 YEAR 0% 0% 0 0 4 - 5 YEAR 0% 0% 0 0
5 -10 YEAR 0% 0% 0 0 5 -10 YEAR 0.64% 0.19% 5 6
10+ YEARS 0% 0% 0 0 10+ YEARS 0% 0% 0 0
Total of discount rates 1 (12 Dec/Jan) but excluding 0 (0 Dec/Jan) stepped rate Total of discount rates 136 (136 Dec/Jan) but excluding 0 (0 Dec/Jan) stepped rate
FIXED RATE DATA FIXED RATE DATA
Number Average Number of Number Average Number of
of years Fixed rate products of years Fixed rate products
February Dec/Jan 09 February Dec/Jan 09 February Dec/Jan 09 February Dec/Jan 09
0 - 1 YEAR 0% 0% 0 0 0 - 1 YEAR 6.50% 6.50% 1 1
1 - 2 YEAR 0% 0% 0 0 1 - 2 YEAR 4.27% 4.49% 13 4
2 - 3 YEAR 0% 0% 0 0 2 - 3 YEAR 4.85% 5.73% 154 132
3 - 4 YEAR 5.48% 6.31% 1 3 3 - 4 YEAR 5.42% 6.20% 127 158
4 - 5 YEAR 0% 0% 0 0 4 - 5 YEAR 5.52% 0% 17 0
5 -10 YEAR 6.75% 7.09% 11 5 -10 YEAR 5.47% 6.00% 128 157
10+ YEARS 0% 0% 0 0 10+ YEARS 5.66% 6.30% 26 18
Total of fixed rates 2 (4 Dec/Jan) but excluding 0 (0 Dec/Jan) stepped rate Total of fixed rates 466 (470 Dec/Jan) but excluding 0 (0 Dec/Jan) stepped rate
Source: Network Data
www.mortgageintroducer.com February 2009 Mortgage Introducer
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