A5113463445- Housing, Finance, and Neoliberalism
- Psychological Well-being and Life Satisfaction
- Housing Market and Economics
- Financial Literacy, Pension, Retirement Analysis
- Migration, Aging, and Tourism Studies
- Health, psychology, and well-being
- Climate Change, Adaptation, Migration
- Political and Economic history of UK and US
- Community Development and Social Impact
- Urbanization and City Planning
- Disaster Management and Resilience
- Complex Systems and Decision Making
- Regional Development and Policy
- Environmental Conservation and Management
- Health disparities and outcomes
- Sustainability and Climate Change Governance
- Flood Risk Assessment and Management
- Environmental Education and Sustainability
- Genomics and Rare Diseases
- Art Therapy and Mental Health
- Healthcare innovation and challenges
- Urban Planning and Governance
- Climate Change Communication and Perception
- Entrepreneurship Studies and Influences
- Mental Health and Patient Involvement
Bath Spa University
2025
University of Dundee
2014-2025
Czech Academy of Sciences, Institute of Sociology
2015
University of St Andrews
2011-2013
Durham University
2008-2010
This paper uses micro-data from two national panel surveys to analyze the flow of wealth residential property onto households' balance sheets, where it is available for discretionary spending. The examples are Australia and UK—two world's most entrenched nations owner occupation, both with relatively complete mortgage markets. We focus on early 2000s, which set scene an unprecedented wave housing equity withdrawal. consider released through sales additional borrowing. findings show that...
The most critical question for climate research is no longer about the problem, but how to facilitate transformative changes necessary avoid catastrophic climate-induced change. Addressing this question, however, will require massive upscaling of that can rapidly enhance learning transformations. Ten essentials guiding action-oriented transformation and energy are therefore presented, framed in relation second-order science. They include: (1) Focus on transformations low-carbon, resilient...
Housing has been unjustifiably neglected in comparative welfare state research. The banking crisis of 2007–08, however, revealed how important housing, especially home ownership and the institutional structures mortgage market, become to change. Securitisation mortgages created a new circuit global capital, while national markets became conduit through which owners were connected this wave globally sourced capital. In UK, equity stored owner-occupied property much more fungible because very...
Abstract Most debate on home ownership and risk has focused the management of mortgage debt. But there are other risks for buyers in settings where housing dominates people's wealth portfolios: investment dimensions property at a premium; is, de facto , an asset base welfare. This article draws from qualitative research with 150 UK holders to assess character, extent possible mitigation this wider regime. The analysis first explores value attach financial returns housing. Next we document...
This paper examines the extent and relevance of mortgage equity withdrawal (MEW) in UK. MEW has, late, been most interest as a mechanism transmitting wealth effects housing into whole economies. Its implications for social policy are less well documented. To redress balance, first offers critique data resources, before drawing from five substantial surveys to document growing significance changing style among British home buyers. The analysis focuses particularly on under-explored question...
Abstract Across the decade to 2007, a combination of house price appreciation and relaxed credit constraints gave boost consumption through mechanism mortgage equity withdrawal (MEW). Arguably, this kept developed economies buoyant, even periods recession. This paper uses panel data on British Australian homeowners show that, notwithstanding its macro-economic effects, such borrowing has far-reaching implications for micro-economy households. The indicate period 2001–2005, was common tactic....
During the early 2000s, mortgage market innovation together with home price appreciation increased scope for equity withdrawal. From a macroeconomic perspective, this proved to be an important transmission mechanism wealth (particularly collateral) effects of housing. Microeconomic accounts borrowing are less well developed, since standard models savings and consumption rarely take housing into account. This paper, however, builds on small but growing literature assigning precautionary role...
Ongoing neoliberal policies have realigned the links between housing and welfare, positioning residential property investment – commonly through homeownership exceptionally also landlordism at core of households' asset-building strategies. Nonetheless, private rented sector (PRS) has been portrayed as a tenure option for tenants rather than welfare strategy landlords. Drawing on qualitative interviews with landlords across Great Britain, we explore landlords' different motivations in...
Children with intellectual disability frequently have multiple co-morbid neuropsychiatric conditions and poor physical health. Genomic testing is increasingly recommended as a first-line investigation for these children. We aim to determine the effect of genomics, inheritance, socioeconomic deprivation on risk in children genetic origin compared general population.
Abstract The positive health effects of owner‐occupation, compared to renting, are well documented. But home ownership is itself heterogeneous, as the profile its incumbents, and this less recognised. Drawing from a mixed‐methods study, which includes 150 qualitative interviews with cross‐section UK mortgage holders, paper examines implications definitive feature owned housing: role financial tool. In particular, we ask whether there anything about process accumulating wealth into housing or...
ABSTRACT This paper assesses the relevance of mortgage-led consumption for assemblage home. Drawing on qualitative research completed in UK, we show how materials and meanings owner-occupation are constituted by, experienced through, accumulation deployment secured debt. is enabled by a particular financial regime, which proceeds equity borrowing freed discretionary expenditure. Homes their contents thus acquire status “debted objects”, these form an interface between familial values...
Research commissioned by the Scottish Government in 2022 investigated Learning for Sustainability (LfS) as it is experienced through Curriculum Excellence (CfE) young people (14+ years), practitioners secondary schools (teachers), and community learning development (CLD) settings. The research sought to identify best practice LfS, its challenges, successes since implementation of Scotland's Action Plan. included a questionnaire practitioners, exploring their awareness engagement with LfS;...
Abstract Urban growth is a major driver of biodiversity loss, as natural habitats are destroyed or fragmented. To address this, nature‐positive initiatives aim to balance development with nature conservation. In the UK, Biodiversity Net Gain (BNG) was introduced through 2021 Environment Act, requiring developers deliver minimum 10% increase for new developments. Despite BNG's potential, doubts exist about local planning authorities' (LPAs) abilities implement and enforce BNG effectively, due...
Although consumption studies now dominate large areas of social and cultural research, relatively little attention has been paid to the financial products services. However, mortgages moved centre‐stage in early twenty‐first century, as that were once tightly rationed more actively sold, households faced with an unprecedented array borrowing options. Drawing from qualitative telephone interviews a cross‐section 150 UK home‐buyers, this paper explores way credit‐rich setting choose use their...
In Anglo-Saxon societies, homeowners expect to create synergies between the owned house seen as a space of shelter, place home, store wealth and increasingly, an investment vehicle (and object debt). Drawing on interviews with owner-occupiers historic value mortgage data in Great Britain, we examine way which homes’ meanings are negotiated through subjective calculation financial costs gains homebuying. We explore homebuyers’ miscalculation gains, their disregard inflation more generally,...
In many countries, the demographic shift towards an ageing population is occurring against a backdrop of welfare state restructuring. The paradigm asset-based may become increasingly central to these developments as individualised touted part response challenge funding care population. This article focuses on framing housing wealth form in UK context. We consider strengths and weaknesses welfare, both terms equity between generations equality within them. argue that market gains have...
Purpose The purpose of this paper is to explore the changing role housing wealth from an investment vehicle a welfare resource. It also considers implications economic prosperity and decline in UK on homeowners, intentions equity withdrawal, consequences managing household budgets. Design/methodology/approach takes form quantitative longitudinal analysis national data panel survey, including random effects logistic regression model. Findings Housing increasingly being used as financial...