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Household Access to Mortgages in the UK

Kara, Alper and Molyneux, Philip (2017) Household Access to Mortgages in the UK. Journal of Financial Services Research, 52 (3). pp. 253-275. ISSN 0920-8550

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Abstract

We employ the propensity score matching approach to investigate household access to mortgages in the UK using information on 29,732 households between 2003 and 2010. We find that, on average, the probability of obtaining a mortgage is similar for White and Non-White households. However, we find that Black households with low incomes are less likely to have mortgages compared to White households with similar characteristics. Asian households, in contrast, do not seem to have a lower probability of having a mortgage.

Item Type: Article
Uncontrolled Keywords: Mortgage; Racial origin; Propensity score matching
Subjects: H Social Sciences > HG Finance
Schools: Huddersfield Business School
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Depositing User: Alper Kara
Date Deposited: 28 Nov 2017 14:40
Last Modified: 28 Nov 2017 14:40
URI: http://eprints.hud.ac.uk/id/eprint/34024

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