Bluestone - UK | Mortgages | Adviser | Customers We Help

Credit Problems

In 2016, 912,389 people were issued with a CCJ; an increase from 734,205 in 2015. In contrast the total number issued in 2008; the height of the financial crisis, was 830,675. The average value of a CCJ fell to £1,711 – 16 per cent down on the year before. In 2008 the average CCJ was £3,624 – more than double last year’s figure.

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Complex Income

Family dynamics are becoming more complex which has an impact on how family incomes are made up. People are living longer, First time buyers are getting older, and one in three marriages are re-marrriages. Stepfamilies are the fastest growing family forms in Britain, accounting for one in ten of all families.

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Contractors

1.88m people now work on a contract; an increase of 35% in the last 3 years. But this rise is not limited to traditional contractor roles like IT and tradespeople, there has been an increase in non traditional roles too. There has also been a 41% rise in female contractors as well as a 26% increase in people aged 16-29.

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Self Employed

In 2015 there were around 4.6 million self-employed workers in the UK; just one year later the figure had risen to about 4.8 million. Today the self-employed account for just over 15 per cent of the total workforce. The growth in total employment in recent years has been driven in part by rising levels of self-employment.

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