Loans and Borrowing

Loans and Borrowing Market Research

Mintel’s Loans and Borrowing market research combines the latest market intelligence, industry insights and expert recommendations to help you anticipate what’s next in the finance and loans industry.

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    Bridging rates have crept up as the Base Rate remains unchanged, but lender competition has maintained demand for bridging The bridging finance industry carries a higher risk profile than other forms of lending and this additional risk has been priced into product offerings – particularly as the Base Rate remains at..."
    Lenders must adapt their strategies to align with the evolving needs and preferences of borrowers, all while operating in an increasingly competitive market.Amr Hamdi, Finance Analyst ..."
    Personal lenders must adapt to meet the changing preferences of borrowers while navigating an increasingly competitive landscape. Amr Hamdi, Finance Analyst ..."
    While the current economic climate has fostered a defensive consumer mindset, stronger economic performance over the next year will stimulate more demand for loans.Brian O'Connor, Category Director - Irish Reports ..."
    Interest rate rises have made loans more expensive, but demand remains high, both for aspirational goals and debt consolidation. Lewis Cone, Associate Director - Financial Services ..."
    The rising cost of borrowing has changed the strategic objectives of some firms and it is vital that lenders adapt to these and offer support in challenging times. Lewis Cone, Associate Director - Financial Services ..."
    BNPL is a strong challenger to traditional credit products, and the cost-of-living crisis has made this option more appealing. Stefania Apostol, Innovation Analyst ..."
    Those who stand out in the BNPL space will be the ones able to own the customer relationship across shopping, payments, and banking touchpoints. Amr Hamdi, Finance Analyst ..."
    At a time of economic difficulty, lender flexibility and communication is vital. The industry must also ensure there are viable exit paths to reduce loan defaults. Lewis Cone, Associate Director - Financial Services ..."
     “Although the ultimate destiny of federal student loan forgiveness hangs in limbo preceding a Supreme Court ruling, student loan customers have already adjusted their attitudes in anticipation of a changing educational lending landscape. Focus on interest rates has subsided in favor of customer service and digital offerings, showing that customers..."
    "Personal loans lending has gradually recovered from the impact of COVID-19 but remains below pre-pandemic levels. The rising cost of living provides a new challenge for lenders, as a cautious consumer mindset and rising interest rates will dampen demand for new loans throughout 2023." - Greta Staselyte, Financial Services Analyst, December..."
    “The current economic situation will mean that lenders will be more selective when undertaking borrowing agreements. Lenders are likely going to focus on profitable areas, meaning financial institutions need to identify the sectors they would like to target and focus on meeting the finance needs in these. However, they must..."