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Introduction
European mortgage markets have performed exceptionally well in recent years, and this solid performance continued in 2005. Rapid house price growth, high demand for housing and increased competition have pushed mortgage markets onwards. But can we expect the boom times to continue and, if they do, which markets will benefit?

Scope
Covers the residential mortgage market in 16 countries in 11 country profiles
Country profiles include: Austria, France, Germany, Greece, Ireland, Italy, Portugal, Spain, Turkey, the Benelux region and the Nordic region
Provides market sizing data in terms of gross advances and balances outstanding
Provides competitor market share for the top five players in each market in balances outstanding; a short profile of the top players is also provided
Highlights
While an increasingly consolidated market, a large number of smaller lenders still play a significant role in the Spanish mortgage market, with the top five players accounting for 49.3 per cent of balances outstanding in 2004.

The entry of Greece into the EMU had a major impact on interest rates, which used to be in the two digits range. Between 1995 and 2004, real interest rates declined by 800 basis points.

In common with most of Western Europe, Italy has experienced continued growth in the level of balances outstanding of mortgage loans. Between 2001 and 2005 balances outstanding increased at a CAGR of 17.7 per cent.

Reasons to Purchase
Learn how residential mortgage markets in Western Europe have developed over the last five years
Understand the recent developments in Western European mortgage markets in terms of regulation, competition and product innovations
Determine which residential mortgage markets in Western Europe are likely to grow most rapidly over the next five years

Introduction
European mortgage markets have performed exceptionally well in recent years, and this solid performance continued in 2005. Rapid house price growth, high demand for housing and increased competition have pushed mortgage markets onwards. But can we expect the boom times to continue and, if they do, which markets will benefit?

Scope
Covers the residential mortgage market in 16 countries in 11 country profiles
Country profiles include: Austria, France, Germany, Greece, Ireland, Italy, Portugal, Spain, Turkey, the Benelux region and the Nordic region
Provides market sizing data in terms of gross advances and balances outstanding
Provides competitor market share for the top five players in each market in balances outstanding; a short profile of the top players is also provided
Highlights
While an increasingly consolidated market, a large number of smaller lenders still play a significant role in the Spanish mortgage market, with the top five players accounting for 49.3 per cent of balances outstanding in 2004.

The entry of Greece into the EMU had a major impact on interest rates, which used to be in the two digits range. Between 1995 and 2004, real interest rates declined by 800 basis points.

In common with most of Western Europe, Italy has experienced continued growth in the level of balances outstanding of mortgage loans. Between 2001 and 2005 balances outstanding increased at a CAGR of 17.7 per cent.

Reasons to Purchase
Learn how residential mortgage markets in Western Europe have developed over the last five years
Understand the recent developments in Western European mortgage markets in terms of regulation, competition and product innovations
Determine which residential mortgage markets in Western Europe are likely to grow most rapidly over the next five years