Household Access to Mortgages in the UK

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We employ the propensity score matching approach to investigate household access to mortgages in the UK using information on 29,732 households between 2003 and 2010. We find that, on average, the probability of obtaining a mortgage is similar for White and Non-White households. However, we find that Black households with low incomes are less likely to have mortgages compared to White households with similar characteristics. Asian households, in contrast, do not seem to have a lower probability of having a mortgage.


  • Mortgage, Racial origin, Propensity score matching
Original languageEnglish
Pages (from-to)253-275
JournalJournal of Financial Services Research
Issue number3
Early online date11 Apr 2016
Publication statusPublished - Dec 2017

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