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Comment on the CML gross lending estimate for December PDF Print E-mail
Thursday, 21 January 2016

Richard Pike, Phoebus Software sales and marketing director, says “The estimate for lending in December this morning has given us a total for 2015 in line with the CML’s original estimate for the year, which goes to show the higher level of activity in the second half was beyond most expectations.  There was of course the increased activity around the time the governor of the Bank of England warned of early interest rates, which manifested itself in October’s peak, but every month showed an increase on 2014.


“The interest will be in what happens next; the world economy is shaky to say the least and with UK inflation remaining low, we are more than likely looking at a longer period of low interest rates then was intimated last year. This may be good for the housing market with more people taking advantage, especially as they come to the end of higher fixed rates. We all know that supply is a problem for many, but we could see a healthier remortgage market and of course a surge in buy-to-let in the first quarter before new rules kick in.”
 
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