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Mortgage Lending

Mortgage Lending

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Published by vikram_mayuri

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Published by: vikram_mayuri on May 19, 2010
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10/24/2012

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1.Executive Summary:
In this paper we are basically dealing with market analysis of online mortgage lending industry.This report basically possesses the market strategy, the market trends and the market potential of the online mortgage lending industry. The report consist the detail analysis of the variousmortgage products that has been using all around the world. The report has SWOT analysis of the market. It is been supported by various strategies of how to exploit the opportunities, how totackle the weaknesses and various other threats to the business. The report also mentions aboutthe different strategies that have to be implemented to give the support of online mortgagelending. The report gives the project detail of the firm and its analysis. And this analysis helps inmeasurement and control of the firm.
 
2.Situational Analysis:UK Market Analysis
:The concentration level of online mortgage lending is very low in the UK market. It is evidentfrom the fact that top 5 companies share more than 45% of the total market in terms of revenue.The share among each player distributed on the basis of type of products/services they areoffering and the target customer. The secondary market for the mortgage lending is very high because it provide customize products to the clients and the customers. The secondary market isvery unorganized and inefficient.(www.mortgages.co.uk)
Product & Technology Analysis:
A mortgage loan is a type of loan where lender is been provided security against the loan by amortgage, say a real property. It is a well made documented format in which each term andconditions are specified that shows the existence of the loan. In case borrower defaults to pay theloan, lender can sell the real property and get the lending amount from it. There are differenttypes of mortgage based loan exists in the market but of the important mortgage loans are:
Reverse Mortgage
Repayment Mortgage
Foreign National Mortgage
Endowment Mortgage
Offset Mortgage
Balloon Mortgage
Assumed Mortgage
Buy down Mortgage
Jumbo Mortgage(www.mortgages.co.uk)
 
3.SWOT Analysis:Competitor Analysis:
The bank has a presence in all around the world which helps them to spread the risk from business to other. Worldwide presence helps to get the advantage of economies of scale as well.
The bank has good brand value and they are trying to promote it through varioussponsorships in big tournaments and various international events.
The bank is having many innovative products/services which make them different fromother players. They are committed to customize their products according to the need of the customers and the clients.
The bank has various flagship branches in different part of the world. This is all done tosatisfy the customers demand and to make presence in every corner of the world.
(Armstrong M, 1996)
How to exploit opportunities:
The bank has acquired many small firms in the time of recession which helped them toconsolidate their position in the financial market. These firms were either undervalued or troubled organization. The merger and acquisition with the bank has restructured thefirms very well and brought proper management.

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