UK Commercial Mortgages market report
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Providing the most comprehensive and up-to-date information and analysis of the Commercial Mortgages market, and the behaviours, preferences and habits of the consumer.
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Covered in this Report
This Report focuses on the UK commercial mortgage market, though market size data includes all lending secured by commercial property, including refinancing.
For the purposes of this Report, Mintel has used the following definitions:
Commercial property: all lending secured on UK commercial property and held on the balance sheet of lending organisations. This includes residential investment and development, but excludes owner-occupier residential mortgages.
Commercial property loan books: their net exposure to UK commercial property, excluding equity finance (i.e. net of any loan amounts sold down to other lenders and net of any securitised loans unless otherwise stated).
What you need to know
The commercial mortgages market regained some stability in 2017 after a significant decline in 2016, reflecting the immediate uncertainty introduced by the UK’s decision to leave the EU in June that year. The recovery in 2017 was underpinned by a strong second half to the year, with bolstered interest in commercial property, particularly in the offices and industrial sector.
Given continued economic uncertainty, the avoidance of further declines in 2017 surprised many in the industry. However, this success was contingent on unpredictable foundations. Ongoing uptake of new commercial property remains heavily tied to foreign investment, which could be impacted by the outcome of Brexit negotiations, while the decline of retail continues to blunt potential income.
The future therefore remains uncertain. However, there are signs of promise, especially growing interest in the regions, particularly in offices, and growth in committed but undrawn loans for development funding, which increased by 29.7% in 2017. This suggests confidence in the future of the British commercial sector, which should help inject additional capital into the market over the coming years.
- Other Commercial
- Barclays PLC
- Lloyds Banking Group
- Royal Bank of Scotland Group
- Santander UK PLC
Expert analysis from a specialist in the field
Written by Marco Amasanti , a leading analyst in the B2B sector, his extensive knowledge delivers in-depth commentary and analysis to highlight current trends and add expert context to the numbers.
Commercial borrowing levels recovered in 2017, bolstered by a strong second half of the year, as the market displayed resilience a year on from the lull that followed the EU referendum. This growth came as a surprise to many in the industry given the climate of uncertainty, with fears that heightened caution could subdue major financial commitments for a number of years.
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* This is a sample representation of the report layout and does not reflect the research included in this report.
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