International Mortgage Trends
The fluctuating health of the UK economy has led to higher than average concerns among UK homebuyers.
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Research / Views
Genworth Financial’s employees are focused on helping helping millions of people around the world achieve financial security at key stages of life. To advance understanding of key issues affecting our markets and customers, we work in partnership with thought leaders in business, government and academia to produce white papers and analysis highlighting topics that matter to our clients and stakeholders.
Financial Barriers to Home Ownership
The Financial Barriers to Home Ownership Report examines the extent and characteristics of the UK’s wealth barrier that now prevents such significant numbers of younger households getting on the property ladder.
Consumer Vulnerability Index
Financial vulnerability, as defined in the Index, brings together two distinct but related concepts: households’ current experience of over-indebtedness and expectations about their own future financial situation.
Consumer Financial Vulnerability Index Evaluation
Analysis revealed the Index is a key indicator of households’ confidence in the economy. The Index scores indicated that the global recession triggered by the financial crisis was anticipated by households in 2007 and 2008. Moving into 2009, the scores also suggested that households were able to identify the subsequent different recovery paths across Europe.
Policy Position Papers
What is a position paper? It’s kind of like a white paper, but with more opinion: Genworth style. In our position papers, we offer an in-depth analysis and statement of opinion on topics that impact your customers' financial security.
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Did you know? |
The average age of a First Home Buyer (FHB) in the 1970s was 24.4 years, but this has increased to 29.3 years in the 1990s and 30.1 years in 2000s. In the March 2011 budget, the UK Government proposed the adoption of the ‘First Buy’ scheme, which allows low income earners the opportunity to borrow 75% of the value of a property with a 5% down payment, the government and the homebuilder each providing 10%.
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