This paper introduces multiple correspondence analysis (MCA) to the literature on financial
product choice. MCA is a useful way of assessing the typology of actual or potential …

Housing prices in Australia have demonstrated strong growth in recent decades, and many
argue housing supply is not keeping up with the demand. The Australian government …

This paper provides novel evidence on the role of the macroeconomic environment for
households' choice between fixed‐interest‐rate and adjustable‐interest‐rate mortgages …

We examine how mortgage brokers affect borrower confusion about key mortgage features
and assess whether brokers mitigate confusion by educating borrowers. Drawing from two …

Purpose Homeownership has been the main focus of housing policies in most countries.
Typical means that households use to achieve homeownership is to take out a loan and …

We analyse the effect of housing wealth on household indebtedness in a life-cycle
framework. Exploiting longitudinal household data and temporal and geographic variation in …

We show that failing to correct for both sample selection and endogeneity bias leads to an
under-estimate of the importance of mortgage price in determining the mortgage product a …

EFFECT OF GOVERNMENT REGULATIONS ON THE RELATIONSHIP BETWEEN
RESIDENTIAL MORTGAGE FINANCING PRACTICES AND PERFORMANCE OF REAL ES Page …

This paper presents evidence on the impact of the global financial crisis on the selection of
mortgage products by borrowers. Using a sample of bank-originated mortgage applications …

Consumer decision making impacts short-term and long-term financial welfare. We study
two important aspects of consumer financial behaviour by using both revealed and stated …