Europe Mortgage / Loan Broker Market Size & Share Analysis - Growth Trends & Forecasts (2023 - 2028)

The Europe Mortgage/Loans Broker Market is segmented by enterprise (large, small, and medium-sized), by application (home loans, commercial and industrial loans, vehicle loans, loans to governments, and others), by end-user (businesses and individuals), and by geography (United Kingdom, Germany, France, and the Rest of Europe). The report offers market size and forecasts for the Europe Mortgage and Loan Broker Market in terms of dollar value (USD billion) for all the above segments.

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Europe Loan Broker Market Size

Europe Mortgage / Loan Broker Market Summary
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Study Period 2018-2028
Base Year For Estimation 2022
Forecast Data Period 2023 - 2028
Historical Data Period 2018 - 2021
CAGR > 8.00 %
Market Concentration Medium

Major Players

Europe Mortgage / Loan Broker Market Major Players

*Disclaimer: Major Players sorted in no particular order
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Europe Loan Broker Market Analysis

In the current year, the European mortgage and loan broker market brought in about USD 8.79 billion and is expected to register a CAGR of more than 8% over the next five years.

Attractive locations and investments in residential real estate have primarily driven the European mortgage and loan broker industries over the past few years. Even during the pandemic, prices stayed stable. Even though the pandemic was ongoing, there were recent changes in geopolitics and a lot of uncertainty, but the outlook was positive. Because of COVID-19, there was a crisis in Ukraine; prices for energy and building materials went up; inflation pressures were high; and there were shortages and backlogs in the supply chain.

The average, unweighted home mortgage interest rate for the European nation sample at the end of Q3 2022 was 3.48%, 69 basis points more than the quarter before (when it was 2.79%). This most recent change in rates lines up with the ECB's plan to raise benchmark interest rates in the euro area in July 2022. The average rate of the EMF sample would rise for the fourth consecutive quarter, and the rate for Q3 2022 alone would set a new record for growth over Q2 2022's increase of 62 bps.

Even though Europe is having a hard time with inflation and geopolitical uncertainty because of the ongoing conflict in Ukraine, a large number of EMF countries are reporting new mortgage rate increases, which is obviously in line with the trend.

Europe Loan Broker Market Trends

The Housing Market's Expansion Drives Up Demand for Mortgage Brokers

When the mortgage market changes, it's a good time to look back on what the wholesale channel did in 2020, despite the big problems caused by the digital revolution and the COVID-19 outbreak, which caused economic uncertainty. Even though the real estate market is still doing well, there is a lot of competition for every loan because there are so few of them. The broker's dynamic flexibility comes in handy in this situation. The broker channel is well-positioned to prosper in the future and continue growing its market share because of the relationship-based customer services, selection of loan choices, and technology resources they provide.

Zagreb's nominal house price index climbed by 7.2%, while the nominal house price index (which takes both new and existing homes into account) increased by 7.3%. While residential property prices along the Adriatic coast increased at an 8.2% faster rate. It is crucial to emphasize that Croatia's urban districts have all seen an increase in population since 2015. Despite the decline in building permits in 2020, there were 16,654 issued in 2021, a 7.3% rise.

Europe Mortgage / Loan Broker Market : Share of the population in European countries who are owner-occupants in 2021, with or without a mortgage

United Kingdom is Dominating the Market

In 2021, the mortgage lending market was booming in the United Kingdom. Gross lending increased 26% over 2020, when pandemic restrictions had a significant negative impact on lending, to GBP 308.5 billion. Yet it was also 15% more than the GBP 269.0 billion in 2019.

While slightly rising to 2.11% from 2.00% in 2020, the average mortgage interest rate stayed below the average of 2.25% in 2019. In response to the pandemic, the base rate was decreased in March 2020 from 0.75% to 0.10%. When more lenders priced in the extra risk or pulled these products off the market, mortgage interest rates first rose, especially at larger LTVs (over 75%).

Europe Mortgage / Loan Broker Market : Total outstanding residential mortgage lending, by Country, Europe, As of Q3 2022

Europe Loan Broker Industry Overview

The market is moderately fragmented, with some dominant players like Lloyds Banking Group. The main competitors in the European mortgage/loan broker business are covered in the research. Loan brokers face intense competition since they depend on their relationships with the best real estate agents and lenders in the communities they cover. Some major players in the market are Lloyds Banking Group, NatWest Group, Nationwide BS, HSBC Bank, and Virgin Money.

Europe Loan Broker Market Leaders

  1. Lloyds Banking Group

  2. NatWest Group

  3. Nationwide BS

  4. HSBC Bank

  5. Virgin Money

*Disclaimer: Major Players sorted in no particular order

Europe Mortgage / Loan Broker Market Concentration

Europe Loan Broker Market News

  • January 2023: OneDome, a UK end-to-end challenger, acquired CMME Mortgage and Protection Ltd. from CMME Group for an undisclosed sum. The acquisition, which involves the integration of CMME Mortgages 65-person team into OneDome, will enable OneDome to dramatically expand its mortgage brokerage capability and support its online clients.
  • June 2023: Barclays (BARC.L) has agreed to buy specialty lender Kensington Mortgage Company for approximately 2.3 billion pounds ($2.8 billion), boosting its presence in the UK property sector.

Europe Loan Broker Market Report - Table of Contents

  1. 1. INTRODUCTION

    1. 1.1 Study Assumptions and Market Definition

    2. 1.2 Scope of the Study

  2. 2. RESEARCH METHODOLOGY

  3. 3. EXECUTIVE SUMMARY

  4. 4. MARKET DYNAMICS AND INSIGHTS

    1. 4.1 Market Overview

    2. 4.2 Market Drivers

    3. 4.3 Market Restraints

    4. 4.4 Industry Attractiveness - Porter's Five Forces Analysis

      1. 4.4.1 Bargaining Power of Buyers

      2. 4.4.2 Bargaining Power of Suppliers

      3. 4.4.3 Threat of New Entrants

      4. 4.4.4 Threat of Substitutes

      5. 4.4.5 Intensity of Competitive Rivalry

    5. 4.5 Insights of Technology Innovations in the Market

    6. 4.6 Impact of COVID-19 on the Market

  5. 5. MARKET SEGMENTATION

    1. 5.1 By Enterprise

      1. 5.1.1 Large

      2. 5.1.2 Small

      3. 5.1.3 Mid-sized

    2. 5.2 By Applications

      1. 5.2.1 Home Loans

      2. 5.2.2 Commercial and Industrial Loans

      3. 5.2.3 Vehicle Loans

      4. 5.2.4 Loans to Governments

      5. 5.2.5 Other Applications

    3. 5.3 By End- User

      1. 5.3.1 Businesses

      2. 5.3.2 Individuals

    4. 5.4 By Geography

      1. 5.4.1 United Kingdom

      2. 5.4.2 Germany

      3. 5.4.3 France

      4. 5.4.4 Rest of Europe

  6. 6. COMPETITIVE LANDSCAPE

    1. 6.1 Company Profiles

      1. 6.1.1 Lloyds Banking Group

      2. 6.1.2 NatWest Group

      3. 6.1.3 Nationwide BS

      4. 6.1.4 HSBC Bank

      5. 6.1.5 Virgin Money

      6. 6.1.6 Santander UK

      7. 6.1.7 Barclays

      8. 6.1.8 Coventry BS

      9. 6.1.9 Yorkshire BS

      10. 6.1.10 TSB Bank*

    2. *List Not Exhaustive

  7. 7. MARKET OPPORTUNITIES AND FUTURE TRENDS

  8. 8. DISCLAIMER AND ABOUT US

Europe Loan Broker Industry Segmentation

A mortgage broker acts as a middleman for people or businesses and manages the mortgage loan application process. In essence, they set up relationships between mortgage lenders and borrowers without making any financial commitments of their own. The Europe Mortgage/Loans Broker Market is segmented by enterprise (large, small, and medium-sized), by application (home loans, commercial and industrial loans, vehicle loans, loans to governments, and others), by end-user (businesses and individuals), and by geography (United Kingdom, Germany, France, and the Rest of Europe). The report offers market size and forecasts for the Europe Mortgage and Loan Broker Market in terms of dollar value (USD billion) for all the above segments.

By Enterprise
Large
Small
Mid-sized
By Applications
Home Loans
Commercial and Industrial Loans
Vehicle Loans
Loans to Governments
Other Applications
By End- User
Businesses
Individuals
By Geography
United Kingdom
Germany
France
Rest of Europe

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Europe Loan Broker Market Research FAQs

The Europe Mortgage / Loan Broker Market is projected to register a CAGR of greater than 8% during the forecast period (2023-2028).

Lloyds Banking Group, NatWest Group, Nationwide BS, HSBC Bank and Virgin Money are the major companies operating in the Europe Mortgage / Loan Broker Market.

Europe Mortgage / Loan Broker Industry Report

Statistics for the 2023 Europe Mortgage / Loan Broker market share, size and revenue growth rate, created by Mordor Intelligence™ Industry Reports. Europe Mortgage / Loan Broker analysis includes a market forecast outlook to 2028 and historical overview. Get a sample of this industry analysis as a free report PDF download.

Europe Mortgage / Loan Broker Report Snapshots

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