Publications

In the Wealth Gap project we aim to ensure our research and findings are relevant for both academic audiences, as well as being accessible beyond the proverbial ivory tower.  In order to achieve this in addition to traditional academic publications and conference presentations, we are using other avenues of communication.  Firstly, we contribute to contemporary debates on social media sites and post our findings in a nutshell there. Secondly, we engage in knowledge exchange with stakeholders and policy-makers at non-academic workshops or conferences. Thirdly, our Wealth Gap Briefings are non-technical publications aimed at a general audience who may be interested in questions around housing wealth and wealth transfers. These short Briefings clarify complex topics, debunk wide held popular myths and contribute to public debates. Please contact us if you think a topic around access to and transfers of housing wealth is missing in our Briefings and we will attempt to address it in the future.

 

End of Project Event 11 June 2015:  Papers

Searle BA (ed): Overarching themes

Joseph R, Overton L and Rowlingson K: Lifetime gifts, inter-generational relationships and inequality

Soaita AM and Searle BA:  Housing wealth and household welfare

Overton L and Fox O’Mahony L:  Equity Release and Older Owners

Soaita AM and McKee K:  Young People:  tenure choices and welfare

Köppe S and Searle BA:  Intergenerational Risk Sharing

Maclennan D, Köppe S and Searle BA:  Policy Implications

Information on contributors to the project and methodology is available in our People and Methodology paper.

 

Briefings Series

No          Title Date WS
1 What is equity borrowing and who is doing it? February 2013 WS2
2 Equity release consumers: Who are they and why do they use the products? May 2013 WS3
3 Who owns all the housing wealth? Patterns of inequality in England ,(Appendix) June 2013 WS2
4 The UK Equity Release Market November 2013 WS3
5 Where are young people living? December 2013 WS4
6 Young People, Homeownership and the Fallacy of Choice May 2015 WS4
7 The costs and gains of homebuying May 2015 WS2
8 The case for property investment March 2016 WS2
9 Regulation of lifetime mortgages and home reversion Forthcoming WS3
10 The regulation of equity release products Forthcoming WS3
11 Lifetime Mortgages Forthcoming WS3

 

Academic Publications

Soaita, A.M., Searle, B.A., McKee, K., Moore, T. (2016). Becoming a landlord: strategies of property-based welfare in the private rental sector in Great Britain. Housing Studies. Early View DOI:10.1080/02673037.2016.1228855.

Köppe, S. (2016) Britain’s New Housing Precariat: Housing Wealth Pathways out of Homeownership, International Journal or Housing Policy. Early View DOI:10.1080/14616718.2016.1185286.

Hoolachan, J.; McKee, K.; Moore, T. and Soaita, A. (Online Early) ‘‘Generation Rent’ and the Ability to Settle Down: economic and geographical variation in young people’s housing transitions’, Journal of Youth Studies, DOI:10.1080/13676261.2016.1184241.

Soaita, Adriana M., & Searle, Beverley A. (2016). Debt amnesia: Homeowners’ discourses on the financial costs and gains of homebuying. Environment and Planning A, 48(6), 1087-1106.

Köppe S. (2015) Housing Wealth and Asset-Based Welfare as Risk. Critical Housing Analysis, 2(1): 42-51, DOI:10.13060/23362839.2015.2.1.175.

Moore, T.; McKee, K. & McLoughlin, P. (2015) ‘ Online focus groups and qualitative research in the social sciences: their merits and limitations in a study of housing and youthPeople Place and Policy Online 9(1): 17-28. Available online. pdf.

Soaita A and Searle BA (2015) Homebuying:  A critical perspective on financial costs and gains, Critical Housing Analysis, 2(1), 65-73, DOI:10.13060/23362839.2015.2.1.177.

Searle, Beverley and McCollum, David (2014) Property-based welfare and the search for generational equity, International Journal of Housing Policy, 14(4): 325-343,  DOI:10.1080/14616718.2014.955334

Fox O’Mahony, Lorna; Overton, Louise (2014): Financial Advice, Differentiated Consumers and the Regulation of Equity Release Transactions. Journal of Law and Society 41(3): 446-469, DOI: 10.1111/j.1467-6478.2014.00677.x.

Fox O’Mahony, Lorna; Overton, Louise (2014): Asset-based welfare, equity release and the meaning of the owned home. Housing Studies, 30(3): 392-412, DOI: 10.1080/02673037.2014.963523.

Fox O’Mahony L (2013) Ageing, Difference and Discrimination: Property Transactions in the Crucible of Human Rights Norms, Kings Law Journal, 24(2): 202-236.

McKee, Kim (2012): Young People, Homeownership and Future Welfare. Housing Studies, 27(6): 853-862.

Reports

Overton, Louise and Fox O’Mahony, Lorna (2015) The Future of the UK: Equity Release Market: Consumer Insights and Stakeholder Perspectives

 

Knowledge Exchange Events

Moore, T. and McKee, K. Deconstructing Generation Rent: a one day seminar, Friday 13th February 2015, University of Sheffield, funded by the Housing Studies Association.

Overton L (2013) Financial and Legal Advice when purchasing equity release at Equity Release Roundtable, hosted by Financial Services Consumer Panel and StepChange Debt Advice, 13 November 2013, at Financial Conduct Authority, London

Rowlingson K (2012) Assets in later life: inheritance, equity release and inter-generational justice, Pensions Forum 2 March 2012 (invited speaker), Westminster, London.

Overton L (2012) Roundtable discussion on equity release, hosted by CCHPR and the Nuffield Foundation.

 

Academic Conferences and Workshops

2015

Searle and McColllum (2015) Property-based welfare and the search for generational equity.    Paper presented as part of symposium on Assets, Housing Wealth and the Politics of Generations, British Gerontology Association Annual Conference, 1-4 July, University of Newcastle.

Soaita AM, McKee K, Moore T and Searle BA (2015) Dancing together? Housing pathways and strategies of property-based welfare in the UK private rented sector, ENHR Conference:  Housing and Cities in a time of change: are we focusing on people? 29 June – 1 July, Lisbon.

Soaita AM and Searle BA (2015) Buying the asset-home:  a critical analysis of financial costs and gains.  ENHR Conference:  Housing and Cities in a time of change: are we focusing on people? 29 June – 1 July, Lisbon.

Searle BA (2015) Housing based welfare or debt based welfare?  History of Housing Wealth, symposium 13-14 April, University of Cambridge

Searle BA (2015)  Minding the Housing Wealth Gap.  Plenary session, Housing Studies Association Annual Conference, 8-10 April, University of York

Soaita AM, McKee K, Moore T and Searle BA (2015) Property-based welfare and vulnerability in the UK private rented sector, HSA Annual Conference:  Housing the Generations: Justice, Inequality and the Implications of Political Change, 8-10 April, University of York

Searle BA (2015) Who owns all the housing wealth? Workshop on Housing asset based welfare, housing market and inequality, 24th March University of Reading

 

2014

Köppe S (2014) Mortgage Managers at the Edges of Homeownership: Longitudinal Evidence from the United Kingdom (1991-2008). Edges of Homeownership, Urban Studies Seminar, 30 September and 1 October 2014, TU Delft, Netherlands.

Köppe S (2014) The Influence of Generational Support on Housing Pathways: Evidence from the British Household Panel (BHPS). ISA World Congress, 13-19 July 2014, Yokohama, Japan.

Soaita A, Searle BA (2014) Homeownership-based welfare? Empirical perspectives from the UK. ISA World Congress, 13-19 July 2014, Yokohama, Japan. You can access the presentation here.

Soaita A, Searle BA (2014) Homeownership-based welfare? Pathways to family wellbeing. ENHR Conference, 1-4 July 2014, Edinburgh, United Kingdom.

Köppe S (2014) The influence of generational support on housing pathways: Evidence from the British Household Panel Study (BHPS). HSA Conference, 15-17 April 2014, York, UK.

 

2013

Searle BA (2013) Paying the Price? Homes and Housing Wealth, Urban Studies Seminar Series, 22 November, University of Glasgow (Invited Speaker)

Searle BA (2013) Intergenerational Transfers of housing wealth and its impacts on long-term housing need,  Festival of Social Science/ALACHO, 8 November 2013 (Invited Speaker)

Overton L (2013) Equity Release, Open Policy Making Seminar on Wealth and Retirement, DWP, London 22 October 2013.

Overton L (2013) Equity release transactions and financial advice, EPPARG Seminar ‘Safely closing the Pensions gap’, Brussels, 16 October 2013 (Invited Speaker)

Searle BA (2013) A Changing Market for Providers, Foundations National Conference for HIA and HP providers, 14-15 October, Stratford Upon Avon (Invited Speaker)

Rowlingson K (2013)  Panel participant at Conservative party fringe event ‘Give and Take in Families: Helping Families Help themselves’, hosted by Social Market Foundation,  30th September 2013

Köppe S (2013) Roundtable 1: Housing and intergenerational fairness at the ‘Intergenerational Justice: Obligations, Promises, Failures’ conference, University of York, 19 – 20 September 2013

WG Team (2013)  Housing wealth in an Ageing Society:  Intra-generational inequalities and inter-generational justice.  Panel session at RC43, University of Amsterdam, The Netherlands,  10-12 July

  • Karen Rowlingson, Ricky Joseph and Louise Overton,  The generation game: financial transfers within families in the UK
  • Lorna Fox O’Mahony and Louise Overton, ‘Two nations in old age’: Consumer risk and the regulation of equity release transactions
  • Stephan Köppe, Duncan Maclennan and Beverley Searle, Are Housing Pathways an Adequate Metaphor? More Complex Life Courses with more Diverse Tenure Choices.
  • Karen Rowlingson and Beverley Searle contributed to a roundtable discussion on ‘Generational gaps and intergenerational solidarity in the housing market?

Köppe S (2013) Fair Wealth Between Families, Cohorts and Generations: Concepts of Intergenerational Justice and Transfers of Housing Wealth, SPA 8-10 July, Sheffield

Köppe S, Maclennan D and Searle B  (2013) Idealised Housing Pathway from Renting via Mortgaging to Ownership? Complex Housing Wealth Transitions between Re-mortgaging and Downsizing.  ENHR, 19-22 June, Terragona, Spain

Searle BA (2013) Patterns of Housing Inequality.  Invited speaker at ‘Inequality and Older People’s Housing’, Age UK/JRF/Housing and Ageing Alliance, 13 June, London.

Rowlingson K and Doling J (2013)  Austerity, Housing markets and Inequality in the UK’, HOWEL project partners meeting, Amsterdam, 23-24 May.

Fox L (2013) Title tbc, Annual Conference of the Association for Law, Property and Society, University of Minnesota School of Law 26-27 April.

McLoughlin P (2013)  Fragile shelter: Journeys through dislocation in the couch surfing accounts of school-aged home leavers’.  Invited speaker at IHURER Seminar Series, Herriot-Watt University, Edinburgh

Fox L (2013) Conceptualising the equity release consumer:  differentiation, risk and regulation.  Paper presented at the ‘Conceptualising ‘consumers’ of financial services:  A new approach?’ Workshop, Durham Law School, 12 April

Searle (2013) Housing Wealth in an Ageing Society.  Invited speaker at Housing Statistics Network seminar on ‘Housing in an Ageing Society’.  9 April, York and 14 May, London.

Overton L and Fox L (2013)  Equity release, property-based welfare and the meaning of the owned home’, SLSA Conference, York, 26-28 March.

Fox L (2013) Equity Release in the UK: Markets, Consumers and the Role of the State’ Law Faculty, University of Western Australia, 14 February.

Fox L (2013) Ageing, Inequalities and (Financial Vulnerabilities), Master class, Law Faculty, University of Western Australia, 12-13 February.

 

2012

McLaughlin P (2012) Young People, family support and housing transitions, panellist at the Centre for Population Change, Young adults’ housing and independent living: New Insights  Conference 23 November 2012, London.

Overton L (2012) Roundtable discussion on equity release, hosted by CCHPR and the Nuffield Foundation.

Rowlingson K (2012) Housing wealth inequality in Britain:  what is the role of inter-generational transfers and what are the implications for social justice?  Presentation to Human Geography and Planning Department, University of Amsterdam, 25 October.

Rowlingson K (2012) Fair Inequality and Responsibility for All, Conference on Fairness and Responsibility in an Unequal Society, Senate Room, Senate House, University College London, 28th June 2012

Rowlingson K (2012) Why is wealth inequality a problem and what can be done about it?’ Conference on The Changing Distribution of Wealth at the London School of Economics, 20th June 2012

Rowllingson K (2012) ‘Wealth inequality: the nature of the problem and how policy might respond’, University of Oxford, Public Policy Unit, 15th June 2012

McCollum D (2012) :  Housing Wealth and Intergenerational Justice: Asset-based welfare in an era of welfare state retraction and population ageing, ENHR Annual Conference, June 2012, Lillehammer, Norway.

McCloughlin P (2012) Homeownership and future welfare: do young people really have a tenure choice?  ENHR Annual Conference, June 2012, Lillehammer, Norway.

Searle BA (2012) Access to Housing for Younger Households in Scotland.  Invited speaker at SFHA Annual Conference, 7-8 June 2012, Glasgow.

Searle BA (2012) Housing and the new Wealth-fare state.  Invited speaker of Seminar series (25 April 2012), Employment Research Institute, Edinburgh Napier University

Searle BA (2012) Housing Wealth in an Ageing Society, Housing Studies Association Annual Conference, 18-20 April 2012, University of York

McKee K (2012) Young people, Tenure Choice and New Patterns of Inequality, Housing Studies Association Annual Conference, 18-20 April 2012, University of York

Rowlingson K (2012) Assets in later life: inheritance, equity release and inter-generational justice, Pensions Forum 2 March 2012 (invited speaker), Westminster, London

Searle BA (2012) Housing equity withdrawal across the life-course.  Invited speaker at  ‘Assessing the Urgent Challenges to the housing provision in Scotland, 3 February 2012, University of St Andrews.

McKee K (2012) Do young people Really Have a Tenure Choice?  Invited speaker at  ‘Assessing the Urgent Challenges to the housing provision in Scotland, 3 February 2012, University of St Andrews.

 

2011

Searle BA and Maclennan D  (2011) Intergenerational Justice: wealth and welfare, 2nd International Workshop on the Socio-economics of Ageing, 4 November 2011, Lisbon, Portugal

Searle BA (2011) At What Price? Home and Housing Wealth, ESDS Government Research Conference, 31 October 2011 (Invited speaker), RIBA , London

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