• Corporate credit availability improved in Q4, further increase seen
• Mortgage demand from homebuyers expected to remain broadly unchanged in Q1 2010 after rise in Q4
• Demand for remortgaging seen steady in Q1 after fall in Q4
• Spreads on secured lending to households expected to fall in Q1 after stabilising in Q4
• Spreads and fees on corporate lending fell in Q4, further easing seen in Q1
• Lenders expect default rates on secured lending to rise but on unsecured to fall in Q1