Homeownership

Publications and presentations

2016

Wallace, A. (2016) Report of Travel Fellowship - Is there a role for US style homeownership education and counselling in the UK? Report (PDF  , 11,514kb)  Executive summary (PDF  , 2,448kb)  Sponsored by the Winston Churchill Memorial Trust.

Wallace, A. (2016) Homeowners and Poverty: A Literature Review. A report for the Joseph Rowntree Foundation, CHP, York - Report (PDF  , 1,091kb)

2015

Cowan, D., Wallace, A. and Carr, H. (2015) Exploring Experiences of Shared Ownership Housing: Reconciling Owning and Renting, CHP, York - Summary (PDF  , 495kb)   - Report (PDF  , 2,063kb)

2014

Wallace, A., Jones, A. and Rhodes, D. (2014) Financial resilience and security: Examining the impact of falling housing markets on low income homeowners in Northern Ireland. Financial Resilience and Security Report (PDF  , 1,609kb)

2013

Tunstall, R. Presentation on 'Housing, Poverty and employment' to the ICHUR Workshop at the University of Reading on the 19th September 2013 Housing, poverty,employment slides (PDF  , 1,015kb)

Wallace, A., Ford, J., Quilgars, D. (2013) Build it yourself? Understanding the changing landscape of the UK self build market  University of York and Lloyds Banking Group Self build report (PDF  , 1,996kb) and  Self build report summary (PDF  , 896kb) and Self Build Supplementary Report (PDF  , 437kb)

Wallace, A., McAreavey, R. (2013) Poverty and Ethnicity in Northern Ireland: An Evidence Review,  Presentation to the Office of the First Minister and Deputy First Minister on 19th March 2013 Presentation (PDF  , 374kb)

Wallace, A., McAreavey, R. and Atkin, K. (2013)  Poverty and Ethnicity in Northern Ireland: An Evidence Review, York, Joseph Rowntree Foundation. Report (PDF  , 749kb) Summary (PDF  , 203kb)

Pawson, H. and Wilcox, S. (2013) UK Housing Review 2012/13,  Coventry: Chartered Institute of Housing

2012

Ford, J. (2012) 'Mortgage Payment Protection Insurance' in Smith, S.J (Ed.) The International Encyclopaedia of Housing and Home, pp 518-522, London: Elsevier

Ford, J. and Wallace, A. (2012) ‘Mortgage Default: Consequences’ in  Smith, S.J (Ed.) The International Encyclopaedia of Housing and Home, pp 346-363, London: Elsevier.

Jones, A., Geilenkeuser , T., Helbrecht, I. and Quilgars, D. (2012 forthcoming) ‘Demographic change and retirement planning: Comparing households’ views on the role of housing equity in Germany and the UK’, International Journal of Housing Policy 12 (1) pp 27-45.

Pawson, H. and Wilcox, S. (2012) UK Housing Review 2011/12, Coventry: Chartered Institute of Housing

Pawson, H. and Wilcox, S. (2012) UK Housing Review Briefing Paper 2012, Coventry: Chartered Institute of Housing

Wallace, A. (2012) Feels like I'm doing it on my own’: Examining the Synchronicity between Policy Responses and the Circumstances and Experiences of Mortgage Borrowers in Arrears, Social Policy and Society 11, pp 117-129

Wallace, A. (2012) 'Shared Ownership: Satisfying Ambitions for Homeownership?' International Journal of Housing Policy, Vol. 12, No. 2. pp.205-226.

2011

Ford, J., Bretherton, J., Jones, A. and Rhodes (2011) Giving Up Home Ownership: a Qualitative Study of Voluntary Possession and Selling Because of Financial Difficulties, London: Communities and Local Government. Report (PDF  , 733kb)‌‎  

Ford, J., Wallace, A., Munro, M., Sprigings, N. and Smith, S. (2011) An Evaluation of the January 2009 and October 2010 Arrangements for Support for Mortgage Interest: The Role of Lenders, Money Advice Services, Jobcentre Plus and Policy Stakeholders, London: Department for Work and Pensions. Report (PDF  , 374kb)‌‎  

Jones, A., Bevan, M. and Quilgars, D. (2011) 'Cautiously optimistic? UK households' perceptions of old age, retirement and the role of housing equity'', Teorija in Praksa, vol. 47, issue 5, pp934-1010.

Monk, S & Tunstall, R. (2011), 'Why is it so difficult to create really good places? Recently built affordable housing in England', Paper presented at European Network of Housing Research, Toulouse, France, 5/07/11 - 7/07/11.

Pawson, H. and Wilcox, S. (2011) UK Housing Review 2010/1011, Coventry: Chartered Institute of Housing

Pawson, H. and Wilcox, S. (2011) UK Housing Review 2011 Briefing Paper, Coventry: Chartered Institute of Housing. Briefing paper (PDF  , 527kb)‌‎  

Tunstall, R (2011), 'How much tenure mix is there in England, how has this changed 1981-2001 and what are the policy implications?', Paper presented at European Network of Housing Research, Toulouse, France, 5/07/11 - 7/07/11. Paper (PDF  , 213kb)‌‎

Wallace, A., Quilgars, D. and Ford, J. (2011) Exiting Unsustainable Homeownership: Understanding current practice and the potential of Assisted Voluntary Sales. Executive summary (PDF  , 672kb)  | Guidance (PDF  , 422kb)  | Report (PDF  , 1,864kb)‌‎     

2010

Munro, M., Smith, S. and Ford, J. (2010) An Evaluation of the January 2009 Arrangements for Support for Mortgage Interest, London: Department for Work and Pensions. Report (PDF  , 374kb)‌‎ 

Quilgars, D. and Jones, A. (2010) 'Housing wealth: A safety net of last resort? Findings from a European Study', in S. Smith and B. Searle (eds) The Housing Wealth of Nations, London: Blackwell, pp 295-315.

Wallace, A. and Ford, J. (2010) 'Limiting Possessions? Managing Mortgage Arrears in a New Era', International Journal of Housing Policy, vol. 10, issue 2, pp133-155.

Wilcox, S., Wallace, A., Bramley, G., Morgan, J., Sosenko, F. and Ford, J. (2010) Evaluation of the Mortgage Rescue Scheme and Homeowners Mortgage Support, London: Communities and Local Government. Report (PDF  , 126kb)‌‎ 

Wilcox, S., Fitzpatrick, S., Stephens, M., Pleace, N., Wallace, A. and Rhodes, D. (2010) The Impact of Devolution: Housing and Homelessness , York: Joseph Rowntree Foundation.  Report (PDF  , 1,459kb)‌‎

2009

Ford, J. and Wallace, A. (2009) Uncharted Territory: Mortgage Arrears and Possessions , London: Shelter. Report (PDF  , 495kb)‌‎ 

Wallace, A., Jones, A. and Duffy, S. (2009) Rapid Evidence Assessment of the Economic and Social Consequences of Worsening Housing Affordability, Fareham: National Housing and Planning Advice Unit. Report (PDF  , 1,506kb)‌‎ 

Wilcox, S. (2009) UK Housing Review 2009/2010, Coventry/London: Chartered Institute of Housing/Building Societies Association.

2008

Bramley, G., Kofi Karley, N., Morgan, J., Lederle, N., Sosenko, F., Stephens, M., Wallace, A. and Littlewood, M. (2008) Evaluation of the National Mortgage to Rent Scheme, Edinburgh: The Scottish Government.

Bretherton, J. and Pleace, N. (2008) Residents' Views of New Forms of High Density Affordable Living, York/Coventry: Joseph Rowntree Foundation/Chartered Institute of Housing.

Stephens, M., Dailly, M. and Wilcox, S. (2008) Developing Safety Nets for Homeowners, York/Coventry: Joseph Rowntree Foundation/Chartered Institute of Housing.

Wallace, A. (2008) Achieving Mobility in the Intermediate Housing Market. Moving on? Moving Up?, London/York: Chartered Institute of Housing/Joseph Rowntree Foundation.

Wilcox, S. (2008) UK Housing Review 2007/2008, Coventry/London: Chartered Institute of Housing/Building Societies Association.

Wilcox, S. (2008) UK Housing Review 2008/2009, Coventry/London: Chartered Institute of Housing/Building Societies Association.

2007

Jones, A., Elsinga, M., Quilgars, D. and Toussaint, J. (2007) 'Home owners' perceptions of and responses to risk', European Journal of Housing Policy, vol. 7, issue 2, pp129-150.

Quilgars, D. (2007) 'Methodology', in M. Elsinga, P. De Decker, N. Teller, and J. Toussaint (eds) Home Ownership Beyond Asset and Security: Perceptions of Housing Related Security and Insecurity in Eight European Countries, Delft: Delft University Press.

Quilgars, D. and Jones, A. (2007) 'M. Elsinga, N. Teller, and J. Toussaint', in M. Elsinga, P. De Decker, N. Teller, and J. Toussaint (eds) Home Ownership Beyond Asset and Security: Perceptions of Housing Related Security and Insecurity in Eight European Countries, Delft: Delft University Press.

Stephens, M. (2007) 'Mortgage Market Deregulation and its Consequences', Housing Studies, vol. 22, issue 2, pp201-220.

Wilcox, S. (2007) Housing Market Affordability in Northern Ireland, Belfast: Northern Ireland Housing Executive.

2006

Ford, J. (2006) 'UK Home Ownership to 2010 and Beyond: Risks to lenders and borrowers', in J. Doling and M. Elsinga (eds) Home Ownership. Getting in, Getting From, Getting Out Part II, Delft: Delft University Press, pp 201-220.

Stephens, M. (2006) Housing Finance, 'Reach' and Access to Owner-Occupation in Western Europe, York: Centre for Housing Policy, University of York.

Stephens, M. (2006) 'Systemic Risk and Home Ownership in the UK', in J. Doling and M. Elsinga (eds) Home Ownership: Getting in, Getting From, Getting Out, Delft: Delft University Press, pp 221-234.

Wilcox, S. (2006) UK Housing Review 2006/7, Coventry/London/York: Chartered Institute of Housing/Council of Mortgage Lenders.

2005

Ford, J. and Wilcox, S. (2005) Managing Risk and Sustainable Home Ownership in the Medium Term. Re-Assessing the Options. A Consultation Document, York: Joseph Rowntree Foundation.

Munro, M., Leishman, C., Kofi Karley, N. and Ford, J. (2005) Lending to Higher Risk Borrowers: Sub-Prime Credit and Sustainable Home Ownership, York: Joseph Rowntree Foundation.

Stephens, M. (2005) 'A critical analysis of housing finance reform in a 'super' home-ownership state: the case of Armenia', Urban Studies, vol. 42, issue 10, pp1795-1815.

Wallace, A., Bevan, M., Croucher, K., Jackson, K., O'Malley, L. and Orton, V. (2005) The Impact of Empty, Second and Holiday Homes on the Sustainability of Rural Communities: A Systematic Literature Review, York: Centre for Housing Policy, University of York.

Wilcox, S. (2005) Affordability and the Intermediate Housing Market: Local Measures for All Local Authority Areas in Great Britain, York: Joseph Rowntree Foundation.

Wilcox, S. (2005) UK Housing Review 2005/6, Coventry/London/York: Chartered Institute of Housing/Council of Mortgage Lenders.

2004

Burrows, R. and Wilcox, S. (2004) Low Income Home Ownership in Wales, York: Joseph Rowntree Foundation.

Ford, J., Quilgars, D., Burrows, R. and Rhodes, D. (2004) Home Owners Risk and Safety Nets: Mortgage Payment Protection Insurance and Beyond, London: The Stationery Office.

Ford, J., Quilgars, D., Burrows, R. and Rhodes, D. (2004) 'Widening the mortgage safety net; some questions of effectiveness', Benefits, vol. 12, issue 2, pp95-101.

Quilgars, D., Jones, A. and Pleace, N. (2004) Safe Moves: an Evaluation, York: Centre for Housing Policy.

Wilcox, S. (2004) The Ready Reckoner: Housing Costs Benefits and Measures of Affordability for Tenants, Home Owners and Shared Owners, London: The Housing Corporation.

Wilcox, S. (2004) UK Housing Review 2004/5, Coventry/London/York: Chartered Institute of Housing/Council of Mortgage Lenders/Joseph Rowntree Foundation.

2003

Burrows, R. (2003) 'How the other half lives? An exploratory analysis of poverty and home ownership in Britain', Urban Studies, vol. 40, issue 7, pp1223-1242.

Croucher, K., Pleace, N. and Bevan, M. (2003) Living at Hartrigg Oaks: Residents' Views of the UK's First Retirement Community, York: York Publishing Services for the Joseph Rowntree Foundation.

Croucher K., Quilgars D., Wallace A., Baldwin S. and Mather L. (2003) Paying the Mortgage? A Systematic Literature Review of Safety Nets for Homeowners, York: Department of Social Policy and Social Work, University of York.Paying the Mortgage Report (PDF  , 905kb)  Paying the Mortgage Summary (PDF  , 329kb)  

Doling, J. and Ford, J. (2003) Globalisation and Home-Ownership: Experiences in Eight Members States of the European Union, Delft: Delft University Press.

Doling, J., Ford, J., Howarth, D. and Horsewood, N. (2003) 'Globalisation and Home-ownership:', in J.Doling and J. Ford (eds) Globalisation and Home-Ownership: Experiences in Eight Members States of the European Union, Delft: Delft University Press.

Ford, J. and Doling, J. (2003) 'United Kingdom', in J.Doling and J. Ford (eds) Globalisation and Home-Ownership: Experiences in Eight Members States of the European Union, Delft: Delft University Press.

Ford, J., Burrows, R. and Nettleton, S. (2003) 'Home-ownership in a risk society', Journal of the Built Environment, vol. 18, issue 2, pp209-211.

Rhodes, D. and Bevan, M. (2003) Private Landlords and Buy to Let, York: Centre for Housing Policy, University of York.

Stephens, M. (2003) 'Convergence in European Mortgage Systems before and after EMU', in S. Eijffinger and J. Lemmen (eds) International Financial Integration, Cheltenham UK and Northampton MA USA: Edward Elgar, pp 492-516.

Wilcox, S. (2003) Can Work, Can't Buy, York: Joseph Rowntree Foundation.

Wilcox, S. (2003) Giving Credit Where It's Due: Home Owners and Tax Credits, London: Council of Mortgage lenders.

Wilcox, S. (2003) UK Housing Review 2003/4, Coventry/London/York: Chartered Institute of Housing/Council of Mortgage Lenders/Joseph Rowntree Foundation.

2002

Burrows, R. (2002) Poverty and Home Ownership in Contemporary Britain, York: York Publishing Services.

Ford, J. (2002) The Take-Up of Mortgage Payment Protection Insurance: A Scoping Study, London: Council of Mortgage Lenders.

Smith, S., Munro, M. and Ford, J. (2002) A Review of Flexible Mortgages, London: Council of Mortgage Lenders.

Wilcox, S. (2002) Housing Finance Review 2002/2003, Coventry/London/York: Chartered Institute of Housing/Council of Mortgage Lenders/Joseph Rowntree Foundation.

2001

Bramley, G., Ford, J., Ford, T., Morgan, J. and Wilcox, S. (2001) The Future of Owner Occupation in Scotland, Edinburgh: Scottish Homes.

Ford, J. and Jones, A. (2001) Choosing a Mortgage, London: Financial Services Authority.

Ford, J. and Quilgars, D. (2001) 'Failing home owners? The effectiveness of public and private safety nets', Housing Studies, vol. 16, issue 2, pp147-162.

Ford, J., Burrows R. and Nettleton S. (2001) Home Ownership in a Risk Society: A Social Analysis of Mortgage Arrears and Possessions, Bristol: Policy Press.

Ford, J., Gibb, K. and Mackay, D. (2001) Mortgage Arrears and Possessions in Scotland: A Scoping Study, Edinburgh: Scottish Executive.

Stephens, M. (2001) 'Building society demutualisation in the UK', Housing Studies, vol. 16, issue 3, pp335-352.

Wilcox, S. (2001) Housing Finance Review 2001/2002, Coventry/London/York: Chartered Institute of Housing/Council of Mortgage Lenders/Joseph Rowntree Foundation.

2000

Burrows, R., Ford, J. and Wilcox, S. (2000) 'Half the Poor? Policy Responses to Low Income Home Ownership', in S. Wilcox (ed.) Housing Finance Review 2000/2001, York: Chartered Institute of Housing, Council of Mortgage Lenders and Joseph Rowntree Foundation.

Ford, J. (2000) MPPI Take-Up and Retention: Evidence From Existing Research, London: Council of Mortgage Lenders.

Ford, J. (2000) 'Risk and trust: homeowners and private mortgage insurance', Policy and Politics, vol. 28, issue 4, pp527-540.

Ford, J. and Burrows, R. (2000) Labour Market Influences on Attitudes to Home Ownership: Perceptions and Reality, York: Centre for Housing Policy.

Ford, J. and England, J. (2000) Data and Literature on Mortgage Interest: State Provision and Private Insurance: an Evaluation Report and Source Book, London: Department of Social Security.

Ford, J. and Quilgars, D. (2000) Financial Intermediaries and the MPPI Market, York: Centre for Housing Policy.

Ford, J. and Seavers J (2000) Attitudes to Moving and Debt: Household Behaviour in the 1990s, London: Council of Mortgage Lenders.

Nettleton, S. and Burrows, R. (2000) 'When a Capital Investment Becomes an Emotional Loss: The Health Consequences of the Experience of Mortgage Possession in England', Housing Studies, 15, 3, 463-479,

Rugg, J., Rhodes, D. and Jones, A. (2000) The Nature and Impact of Student Demand on Housing Markets, York: Joseph Rowntree Foundation.

Wilcox, S. (2000) Housing Finance Review 2000/2001, York: Joseph Rowntree Foundation/Chartered Institute of Housing/Council of Mortgage Lenders.

Wilcox, S. and Burrows, R. (2000) Half the Poor: Home Owners With Low Incomes, London: Council of Mortgage Lenders.

Ford, J. (2000) 'Housing and the Flexible Labour Market: Responding to Risk', in P. Taylor-Gooby (ed.) Risk, Trust and Welfare, Basingstoke: Macmillan, pp 93-113.

Further information