Professor Janet Ford



Emeritus Professor

  • BA (Econ) Manchester
  • MSc (Loughborough)

Janet Ford was Director of the Centre for Housing Policy and the Joseph Rowntree Chair of Housing Policy from 1996-2003. Between 2003-2009 she was first a Pro-Vice Chancellor in the University and then worked on strategic projects in the Vice-Chancellor's Office. She maintained a research position in CHP throughout and is now an Emeritus Professor of the University. She retains her interest and involvement with CHP and is active in a research capacity.

She has a long-standing interest in the analysis of home ownership and has undertaken many studies on aspects of mortgage arrears and possessions. In 1988 she published a qualitative study of borrowers in mortgage arrears that provided a longitudinal account of the causes, management and consequences of arrears for households (funded by ESRC). Since then she has undertaken studies for lenders, the CML, DOE and then DETR including the first national survey of mortgage arrears and possessions published in 1995 (with Elaine Kempson). In 2004/5 she was the research advisor to an inquiry into Home Ownership and Risk to 2010 funded by the Joseph Rowntree Foundation and in 2009 undertook a study for Shelter examining the management of arrears in the current economic and housing market climate (Ford and Wallace, 2009), and a scoping paper for CLG on the methodologies for examining arrears and possessions (Ford, 2009).



Research interests

  • problematic aspects of owner occupation
  • mortgage arrears and possessions
  • changing relationship between the housing and labour markets
  • risk


Selected publications

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)

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.

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

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 (RR 740) London: Department for Work and Pensions. Report (PDF , 374kb)

Ford, J, Bretherton, J, Jones, A & Rhodes, D. J (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), Report summary (PDF , 45kb)

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)

Wallace, A. and Ford, J. (2010) Limiting Possessions? Managing Mortgage Arrears in a New Era, International Journal of Housing Policy, Vol 10, No. 3 pp. 133-155.

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)

Ford, J. and Wallace, A. (2009) Uncharted Territory? Managing mortgage arrears and possessions. London: Shelter.

Ford, J. and Rhodes, D. (2008) Report of a survey of recent entrants to Hanover Housing Association: reasons for moving and the nature of the move, York: Centre for Housing Policy

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.

Ford, J. (2005) 'Staying Put? Trends in secure and insecure households', in D.Dorling, J.Ford, A.Holmans, B.Thomas, and S.Wilcox (eds) The Great Divide: An Analysis of Housing Inequality, London: Shelter.

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.

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.

Ford, J., Quilgars, D., Burrows, R., Rhodes, D. (2004) Homeowners Risk and Safety-Nets: Mortgage Payment Protection Insurance (MPPI) and beyond, London: ODPM.

Ford, J. (2003) 'New Labour's Housing Policy' in N. Ellison and C. Pierson (eds) Contemporary Developments in Social Policy, Basingstoke: Palgrave

Ford, J.; Rugg, J. and Burrows, R. (2002) 'Conceptualising the Contemporary Role of Housing in the Transition to Adult Life in England', Urban Studies 39 (13).

Smith, S. and Ford, J. (2002) 'Home Ownership: Flexible and Sustainable?' Housing Finance 55.

Ford, J. (2002) 'Safety-nets for Mortgage Payments: the need for more research', Housing Finance 54.

Ford, J., Rugg, J. and Burrows, R. (2002) "Conceptualising the Contemporary Role of Housing in the Transition to Adult Life in England", Urban Studies, 39, 13.

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

Ford, J. and Quilgars, D. (2001) 'Failing Home Owners? The effectiveness of public and private safety nets', Housing Studies 16 (2), pp.147-162.

Munro, M.; Smith, S. and Ford, J. (2001) 'Flexible Futures? Lenders views of flexible mortgages', Housing Finance 50.

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

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

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.

J. Ford (2000) 'Risk and Trust: Home Owners and Private Insurance', Policy and Politics 28 (4)

J. Ford (2000) 'Housing and the Flexible Labour Market; Responding to Risk' in P. Taylor-Goodby (ed) Risk, Trust and Welfare, London: Macmillan.

J. Ford (2000) 'Employment Inequalities and Housing' in I. Anderson and D. Sim (eds) Social Exclusion and Housing, London: CIH

Burrows, R.; Ford. J. and Wilcox, S. (2000) 'Half the Poor' in S. Wilcox (ed) Housing Finance Review, JRF/CIH: London

C. Skinner and J. Ford (2000) Planning, postponing or hesitating: understanding financial planning, York, Centre for Housing Policy.

J. Ford and A. Jones (2000) Informed Decisions? How consumers use Key Features: a synthesis of research on the use of product information at the point of sale , London: Financial Services Authority.

Janet Ford and Deborah Quilgars (2000) Financial Intermediaries and Mortgage Payment Protection Insurance, York: Centre for Housing Policy

Janet Ford and Jude England (2000) Data and Literature on Mortgage Interest: State Provision and Private Insurance. An evaluation report and a source book, Department of Social Security Research Report No.65.

Janet Ford and Jenny Seavers (2000) Attitudes to Moving and Debt, Published by the Council for Mortgage Lenders

Janet Ford (2000) MPPI: Take-up and Retention; Evidence from Existing Research, Council of Mortgage Lenders

Ford, J. and Burrows, R. (1999) "To Buy Or Not to Buy? A Home of One"s Own" in R. Jowell, J. Curtice, A. Park and K. Thomson (eds) British Social Attitudes: The 16th Report: Who Shares New Labour Values? Aldershot: Ashgate.

Kempson, E.; Ford, J. and Quilgars, D. (1999) Unsafe Safety Nets, York: Centre for Housing Policy.

Ford, J., Burrows, R., Wilcox, S., Cole, I. and Beatty, C. (1998) Social Housing Rent Differentials and Processes of Social Exclusion Centre for Housing Policy Research Report, York: Centre for Housing Policy Research Report

Ford, J. (1998) Risks: Home Ownership and Job Insecurity, London: Shelter.

J Ford and E Kempson, 1997 (May) Evaluating Changes to the Safety Nets for Home Buyers, Centre for Housing Policy, York Publishing Services.

J. Ford and E. Kempson (1997) Bridging the Gap? Safety-nets for mortgage borrowers, York: Centre for Housing Policy.

Ford, J.; Quilgars, D.; Burrows, R. with Pleace, N. (1997) Young People and Housing Rural Research Report No.31, Salisbury: The Rural Development Commission.

J Ford, E Kempson and J. England, (1996) Into Work? The impact of housing costs and the benefit system on people's decisions to work, Joseph Rowntree Foundation, York Publishing Services.

J. Ford, E. Kempson and M. Wilson (1995) Mortgage Arrears and Possessions: perspectives from borrowers, lenders and the courts, London, HMSO.

J. Ford (1994) Problematic Home Ownership: The Management and Experience of Arrears and Possessions in Depressed Housing Market, Joseph Rowntree Foundation/Loughborough University.

J. Ford and S. Wilcox (1994) Affordable Housing, Low Incomes and the Flexible Labour Market, London, Research Report No 22, National Federation of Housing Associations.

Janet Ford

Contact details

Prof. Janet Ford
Emeritus Professor
Centre for Housing Policy
University of York
YO10 5DD

Tel: 01904 321480