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2020 Vision - The Mortgage of the Future

Industry publication,
Contact:
simon rex,
Last updated:
16 November 2012

The BSA has published research looking at what the mortgage market will look like in 2020. The research looks at a wide range of factors that may influence the types of mortgage that are being sold in 2020. It looks at how the demand for mortgages will change by 2020, ...

Reforming the home buying and selling process

Industry publication,
Contact:
simon rex,
Last updated:
06 July 2010

Representatives from the legal and conveyancing professions, estate agents, surveyors and consumer bodies explore how the home buying process can be improved for consumers. Download PDF

How to get a mortgage

Factsheet,
Contact:
simon rex,
Last updated:
15 October 2013

Once you have found your dream property, put an offer to the vendor and had it accepted, you will need to secure the finances you need to complete the purchase. This will usually involve getting a mortgage. Many people find applying for and getting a mortgage highly stre...

Solar panels

Factsheet,
Contact:
simon rex,
Last updated:
01 August 2013

Guidance With electricity prices rising, homeowners are seeking alternative forms of energy. One business model which has sprung up to meet this need involves a company placing photovoltaic panels on a homeowner's roof and providing electricity to them from the panels, ...

Useful links

Factsheet,
Contact:
simon rex,
Last updated:
21 October 2013

Further advice and information is available from the following organisations:   Money Advice Service Impartial information and a wide range of tools from the Money Advice Service Link to Money Advice Service   Financial Ombudsman Service The Financ...

Understanding Mortgage Arrears

Industry publication,
Contact:
simon rex,
Last updated:
14 September 2009

  The Building Societies Association has published new research into mortgage arrears. The research is based on a survey of mortgage borrowers that have been in arrears in the last two years, the results of which are combined with the results of a survey of building so...

The BSA comments on the Housing White Paper

Press release,
Contact:
amy harland,
Last updated:
07 February 2017

There is no one silver bullet to solve the UK’s ‘broken housing market’.  Today the BSA welcomes the Housing White Paper as a positive first step towards a more joined up approach to housing and, we hope, the beginning of a coordinated government strategy. Commenting, Paul ...

Consumer confidence in house purchase deteriorates

Press release,
Contact:
hilary mcvitty,
Last updated:
28 June 2017

Short-term uncertainty from the General Election result has caused a deterioration of consumer confidence in the housing market, according to a report from the Building Societies Association out today. Statistics from consumer survey Property Tracker published by the BSA, ...

Pressures in the economy challenge homebuyers and savers

Press release,
Contact:
hilary mcvitty,
Last updated:
14 August 2017

Developments in the wider economy are making it more challenging for homebuyers and savers. Building societies continue to support both groups, and maintained a high market share of new mortgage lending and savings in the second quarter of 2017. Mortgage lending Q2  Buil...

Can't pay your mortgage?

Factsheet,
Contact:
simon rex,
Last updated:
02 February 2018

If you have a mortgage you will be expected to make regular monthly payments to your lender. How much you pay will depend on the type of mortgage you have, the term of the loan and the rate of interest on it. If there are any changes in your own, or your household's circumst...

Long Term Safety Nets to Protect Mortgage Borrowers

Industry publication,
Contact:
robert thickett,
Last updated:
19 September 2011

In November 2010, we launched a report by John Howard into Long Term Safety Nets to Protect Mortgage Borrowers which examines the economic environment which has caused many homeowners to fall behind in mortgage payments; the help available to those struggling to meet payments...

21st Century Welfare - DWP consultation

Industry response,
Contact:
paul broadhead,
Last updated:
29 May 2012

The BSA is supportive of proposals to streamline the benefits process and therefore support the principles for introducing a Universal Credit (UC). However, we are concerned with the impact that UC would have on the Support for Mortgage Interest (SMI) benefit. The proposal...

BSA Autumn Statement submission

Industry response,
Contact:
kate creagh,
Last updated:
09 November 2016

Dear Chancellor   Autumn Statement 2016 Given the significant changes, challenges and opportunities facing the UK as a result of the EU Referendum and what will flow from it, we have set out some thoughts and ideas which we hope will be of value as you develop your Autu...

Forbearance and Impairment Provisions FSA Guidance Consultation

Industry response,
Contact:
paul broadhead,
Last updated:
29 May 2012

The BSA welcomes the publication of the guidance consultation and its intention to provide assistance to firms, in relation to dealing with forbearance and ensuring adequate reporting and provisioning of impaired accounts. However, we have a number of concerns with the...

FSA Mortgage Market Review DP 09/3

Industry response,
Contact:
paul broadhead,
Last updated:
29 May 2012

Summary of the Response 1. It is important that the Review recognises that in the context of the current financial crisis, the problems in the global and European and UK economies today are a result of liquidity and structural issues arising in global financial markets...