PESTLE by Connor Fitz-Patrick https://padlet.com/cfitzpatrick41/acawq5l7436n0n4x Situational Analysis en-us 2021-12-02 09:50:48 UTC 2025-09-28 14:41:11 UTC hello@padlet.com Political https://padlet.com/cfitzpatrick41/acawq5l7436n0n4x/wish/1924801119 Government scheme – 5% deposit mortgages and borrow the rest from the government at a low rate – driving demand for mortgages and associated products.
 
https://www.barclays.co.uk/mortgages/help-to-buy/
 
Stamp duty holiday ending leads to 52% drop in house sales – the guardian
 
https://www.theguardian.com/business/2021/nov/23/uk-house-sales-fall-stamp-duty-holiday-hmrc-figures
]]> 2021-12-02 10:12:38 UTC https://padlet.com/cfitzpatrick41/acawq5l7436n0n4x/wish/1924801119 Economic https://padlet.com/cfitzpatrick41/acawq5l7436n0n4x/wish/1924801755 Demand for bricks and mortar increased since Brexit despite the uncertainty – average price 1991 £57,000 and average price 2021 £255,000
 
https://www.ftadviser.com/mortgages/2021/07/09/how-has-the-uk-property-market-fared-since-brexit/
 
Good economic recovery despite the pandemic – GDP in July 2021 only 2% below pre pandemic levels.
 
https://commonslibrary.parliament.uk/research-briefings/cbp-8866/
 
House prices still holding strong despite stamp duty holiday ending
 
https://www.theguardian.com/business/2021/dec/01/uk-house-prices-remain-turbo-charged-while-sales-that-support-market-have-fallen
]]> 2021-12-02 10:13:02 UTC https://padlet.com/cfitzpatrick41/acawq5l7436n0n4x/wish/1924801755 Socio-cultural – themes deepptll https://padlet.com/cfitzpatrick41/acawq5l7436n0n4x/wish/1924803496 To increase attention in health care.
Buying habits.
Emphasis on safety.
Attitude over work & relation.
Health consciousness.
Education level.
Immigration and emigration rates.
Family size and structure.
Minorities.
Age distribution and life expectancy rates.
Livingstyle.
https://www.eloquens.com/tool/qJBdTQrp/strategy/pestel-analysis-templates/pest-pestle-analysis-powerpoint-template

]]> 2021-12-02 10:14:14 UTC https://padlet.com/cfitzpatrick41/acawq5l7436n0n4x/wish/1924803496 Legal cfitzpatrick41 https://padlet.com/cfitzpatrick41/acawq5l7436n0n4x/wish/1924811671 Legal – Consumer Protection – Peak Mortgages & Protection follow the regulations put in place by the Financial Conduct Authority to ensure that they are treating their customers fairly. 

https://www.fca.org.uk/data/mortgage-lending-statistics

Legal influences also consider data protection. Many organisations are now reducing the information they hold on individuals however mortgage companies consider your spending habits, whether you’re unemployed, what your salary is, date of birth etc so it is important that Peak do not disclose the personal information of its customers.

https://www.bankrate.com/uk/current-accounts/gdpr-explained/

  • Employment Law
  • Health and Safety Law


]]> 2021-12-02 10:19:18 UTC https://padlet.com/cfitzpatrick41/acawq5l7436n0n4x/wish/1924811671 Technological themes deepptll https://padlet.com/cfitzpatrick41/acawq5l7436n0n4x/wish/1924820522 the existence of 3D technology
computer calculator power
engine efficiency
internet connection
wireless charging
automation
https://www.eloquens.com/tool/qJBdTQrp/strategy/pestel-analysis-templates/pest-pestle-analysis-powerpoint-template

digital marketing 

]]> 2021-12-02 10:25:28 UTC https://padlet.com/cfitzpatrick41/acawq5l7436n0n4x/wish/1924820522 Environmental cfitzpatrick41 https://padlet.com/cfitzpatrick41/acawq5l7436n0n4x/wish/1924820896 Environmental concerns, such as flood risk, land contamination, pollution or subsidence could have adverse effects on the value of houses. 

Environmental Policies
Link to CSR
Global warming and the increased need to switch to sustainable resources

Environmental influences will also take into account the effects of the pandemic. One of the biggest changes to mortgages as a result of the COVID-19 pandemic, is that for much of 2020 mortgage lenders raised minimum deposit levels to 15%, compared to 5% before COVID-19 (this is based on the purchase price or Home Report valuation of the property, whichever is the lower figure). Self-employed people are also being assessed more rigorously with questions being asked about how their business has been affected during COVID-19 and business bank statements being regularly asked for to check how the business has performed during this time.
https://espc.com/news/post/how-the-uk-mortgage-market-has-changed-due-to-coronavirus






]]> 2021-12-02 10:25:44 UTC https://padlet.com/cfitzpatrick41/acawq5l7436n0n4x/wish/1924820896