2026-04-15T22:47:37Z https://datacatalogue.cessda.eu/oai-pmh/v0/oai

47fa69697a1d5622871d35f596652c369a7b057f0c48a650d43a904b3293c2ae 2025-10-01T03:54:51Z language:enopenaire_data

DDI2.5 XML CODEBOOK RECORD FOR STUDY NUMBER 4034 Survey of Mortgage Lenders, 1998 403410.5255/UKDA-SN-4034-1 Department of the Environment, Transport and the Regions <a href="https://www.nationalarchives.gov.uk/information-management/re-using-public-sector-information/uk-government-licensing-framework/crown-copyright/" target="_blank">© Crown copyright</a>. The use of these data is subject to the <a href="https://ukdataservice.ac.uk/app/uploads/cd137-enduserlicence.pdf" target="_blank">UK Data Service End User Licence Agreement</a>. Additional restrictions may also apply. Department of the Environment, Transport and the RegionsCouncil of Mortgage Lenders UK Data Service 15 October 1999 ADMINISTRATIVE AREASAGEBUILDING SOCIETIESECONOMIC VALUEENDOWMENT ASSURANCEFINANCIAL INSTITUTIONSGENDERHOME BUYINGHOME OWNERSHIPHOUSESHOUSINGHOUSING AGEHOUSING ECONOMICSHOUSING FINANCEHOUSING TENUREINCOMEINTEREST (FINANCE)LOANSMORTGAGESPRICESPRIVATE PERSONAL PENSIONSROOMS Consumption and consumer behaviourIncome, property and investment/savingHousing <P>Abstract copyright UK Data Service and data collection copyright owner.</P>The Survey of Mortgage Lenders (SML) was launched on 1st April 1992 to succeed the 5% Sample Survey of Building Society Mortgage Completions (BSM) (See GN:33191). The aims were to improve the survey in three principal ways:<br> a) to broaden the range of institutions surveyed to incorporate other mortgage lenders in addition to building societies and Abbey National. With the entry of the high street banks and then the centralised lenders into the mortgage market, information provided by the building societies no longer represented the whole market in the way it did when the BSM was set up in the 1960s.<br> b) to extend its coverage to include further advances, remortgages and top-up loans in addition to first mortgages.<br> c) to increase the level of detail on the questionnaire especially with respect to the characteristics of the mortgage loan.<br> An important consideration for users of the data is that the SML figures allow continuity with the BSM survey results to be maintained for a reasonable period.<B>Main Topics</B>:<BR> Financial institution code, date mortgage completed, whether dwelling is wholly or partly occupied by borrower. Mortgage amount, type of advance, whether solely for purchase of property, period of mortgage, gross rate of interest, whether the interest charged is fixed or variable rate, whether interest payments are discounted or deferred, repayment method, source of mortgage business, purchase price and whether discounted in any way, location of dwelling, whether new, age of dwelling, type of dwelling, number of habitable rooms, number, sex and age of borrowers, basic income of main borrower, other income and total income on which mortgage is based, whether applicant previously owner occupier, previous tenure. 199801 January 1998 United Kingdom Institutions/organisationsNationalMortgage lenders Mortgage lenders, consisting of building societies and non-building society members of the CML, in the United Kingdom. Repeated cross-sectional studyannual The institutions are divided into four strata according to the size of their assets. All the largest were asked to complete questionnaires on a sample of 5 per cent of their new mortgage advances. Mortgages are included if their reference numbers end in specified digits chosen so that every twentieth mortgage is selected. Institutions in the next stratum are arranged in order of size of assets and alternate institutions chosen each of which are asked to complete questionnaires on 10 per cent of their mortgages. In the next stratum 20 per cent of the mortgages of every fourth institution are obtained. The smallest institutions are completely excluded. Postal survey <p>The Data Collection is available to UK Data Service registered users subject to the <a href="https://ukdataservice.ac.uk/app/uploads/cd137-enduserlicence.pdf" target="_blank">End User Licence Agreement</a>.</p><p>Commercial use of the data requires approval from the data owner or their nominee. The UK Data Service will contact you.</p> See <restrctn> https://oai.ukdataservice.ac.uk:8443/oai/provider 4034 2024-11-28T07:23:55Z ddi:codebook:2_5