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The year ahead

From widespread house price falls and increases in foreclosures, to funding innovations and alterations in regulation, 2008 will be a year of unprecedented change and adjustment for mortgage banks. Mortgage Risk, together with a select panel of leading industry experts, gives its predictions for the year ahead. By Dippy Singh

How much worse will the liquidity crisis get? What market changes will follow? And will regulation and mass restructuring of business models be the key events for lenders in 2008?

This year is one of the hardest for the mortgage sector to forecast as no one quite knows when confidence in the wholesale markets will return, and the fear that more bad news is still to come hangs in the air.

But while

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