JSB Market Research – Insight Report: Mortgage Essay Example

UK, Ireland and Australia - by outlining trends following strict regulation enforcement post-financial crisis. It also provides insights into preferred mortgage products offered by banks in these countries along with fluctuations in interest rates and economic factors influencing consumers' mortgage choices. Additionally, it discusses key drivers as well as issues and challenges faced by retail banks when offering mortgages while keeping intact. The text highlights reasons to purchase a product that offers information on the mortgage lending market such as amendments made, competitive analysis based on market size and strategies for improving mortgage products, company profiles and product portfolios across four countries along with operational and regulatory trends influenced by economic factors.The mortgage markets in the US, UK, and Ireland have each experienced distinct trends. While severe crises occurred in all three countries, Australia has maintained a stable market due to strong banking regulations. The global outstanding mortgages reached $2 trillion in 2013 and had an annual growth rate of -4.4% in 2009 but recovered to -0.08% by 2013. Positive trends emerged following strict regulations implemented by the US after their crisis; however, Ireland is still recuperating from negative overall mortgage market trends caused by the European debt crisis. With outstanding mortgages surpassing its GDP, Ireland currently has the second-largest credit bubble after that of the US.