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Income Multiples and Mortgage Potential

Author

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  • Peter McLaverty

    (Centre for Housing Policy. University of York, Heslington, York YO1 SDD, UK)

  • Ngai Ming Yip

    (Department of Social Policy and Social Work, University of York, York YO1 5DD, UK)

Abstract

In this paper we examine the potential of council tenants and private-sector renters in England to become owner-occupiers, using data from the 1988 General Household Survey (GHS). Methods pioneered by Littlewood in her analysis of data from the 1978 GHS are applied in this paper. A sensitivity analysis is also presented which shows the impact of different loan to income ratios on the ability of council and private-sector tenants to buy a dwelling. Finally, we consider the impact of the right to buy discounts on the ability of council tenants to buy their homes.

Suggested Citation

  • Peter McLaverty & Ngai Ming Yip, 1994. "Income Multiples and Mortgage Potential," Urban Studies, Urban Studies Journal Limited, vol. 31(8), pages 1367-1376, October.
    • Handle: RePEc:sae:urbstu:v:31:y:1994:i:8:p:1367-1376
    DOI: 10.1080/00420989420081201
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