Use this URL to cite or link to this record in EThOS:
Title: Gender and mortgage default in Swindon
Author: Christie, H.
Awarding Body: University of Cambridge
Current Institution: University of Cambridge
Date of Award: 1997
Availability of Full Text:
Full text unavailable from EThOS.
Please contact the current institution’s library for further details.
The empirical research is concentrated at two scales: national and local. At the national level, questions about the widespread, but geographically uneven, nature of mortgage debt are understood in relation to restructuring of housing and labour markets. On the one hand the promotion of owner occupation, sale of council sector stock and deregulation of the financial services sector allowed more people to buy their own homes. On the other hand, however, the growth of new forms of work, including part-time jobs and temporary contracts, coupled with high unemployment, made difficult the maintenance of monthly mortgage payments. Re-reading these debates through a feminist lens shows that questions about access to the private market, maintenance of shelter and threats to that shelter are questions about gender relations and about the significant of women's employment to household budgets. In untangling the specificities of these processes the research moves to the local level, drawing on material with interviews conducted with twenty households living in Swindon. In investigating gendered dimensions to the accumulation of arrears, and to the management and recovery processes, the case study part of the research concentrates on three areas: first, the extent to which the ability of households to enter, and stay in, owner occupation is related to income generated by women; secondly, to analyse the environment in which households move into default and to outline the connections this has to gendered changes in the labour market and the operation of the benefits system; and thirdly, to reflect upon decision making processes, and the development of gender-specific coping strategies, whether designed to maintain existing shelter or to move to new accommodation. Through this local case study the value of a feminist perspective in the analysis of labour and housing markets, in combination, is demonstrated.
Supervisor: Not available Sponsor: Not available
Qualification Name: Thesis (Ph.D.) Qualification Level: Doctoral
EThOS ID:  DOI: Not available