分析师表示，尽管2010年稳步增长，但今年可能会降低抵押贷款贷款。霍华德·阿克勒，首席经济学家IHS全球洞察力那said the U.K. housing market remains “very weak,” and the modest increase in November “does little to dilute the belief that house prices will remain under downward pressure” in the early part of 2011. The upward trend in approvals throughout 2010 was not enough to overcome a 18.6% decline from a year earlier.