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| Titel: |
The Flexible Mortgage: A Risk Reducing Product? |
| Auteur: |
Dudleston, Anna |
| Verschenen in: |
Housing studies |
| Paginering: | Jaargang 16 (2001) nr. 2 pagina's 163-177 |
| Jaar: |
2001-03-01 |
| Inhoud: |
This paper focuses on lender perceptions of and reactions to increasing risk in the mortgage market, in particular the tension between labour market changes and the provision of mortgage finance. It examines lenders' attitudes towards the 'flexible mortgage' as a potential mechanism for alleviating this tension and managing borrower risk. The paper is based on a qualitative analysis of interviews undertaken by the author with key personnel in 18 mortgage lending institutions. It suggests that, generally, lenders do not perceive 'flexible mortgages' as a solution to the problem, and in many cases do not even recognise that there is a problem. The flexible mortgage is rather seen as a marketing tool for lenders, or a financial service for the financially secure and astute borrower. Furthermore, flexible mortgages could actually be seen as a risk-compounding rather than reducing product in many circumstances. |
| Uitgever: |
Routledge |
| Bronbestand: |
Elektronische Wetenschappelijke Tijdschriften |
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