{"id":"https://openalex.org/W1983303285","doi":"https://doi.org/10.1080/00343404.2012.750426","title":"Regional Differences in Mortgage Demand and Mortgage Instrument Choice in the UK","display_name":"Regional Differences in Mortgage Demand and Mortgage Instrument Choice in the UK","publication_year":2013,"publication_date":"2013-01-15","ids":{"openalex":"https://openalex.org/W1983303285","doi":"https://doi.org/10.1080/00343404.2012.750426","mag":"1983303285"},"language":"en","primary_location":{"id":"doi:10.1080/00343404.2012.750426","doi":"https://doi.org/10.1080/00343404.2012.750426","is_oa":false,"landing_page_url":"https://doi.org/10.1080/00343404.2012.750426","pdf_url":null,"source":{"id":"https://openalex.org/S175672440","display_name":"Regional Studies","issn_l":"0034-3404","issn":["0034-3404","1360-0591"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a-star","anvur-class-a","anvur-scientific","cwts-core","fnege-2","jufo-3","norway-2","poland-140","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310319847","host_organization_name":"Routledge","host_organization_lineage":["https://openalex.org/P4310319847","https://openalex.org/P4310320547"],"host_organization_lineage_names":["Routledge","Taylor & Francis"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Regional Studies","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5087905651","display_name":"Alla Koblyakova","orcid":"https://orcid.org/0000-0001-9557-3693","observed_orcids":["https://orcid.org/0000-0001-9557-3693"]},"institutions":[{"id":"https://openalex.org/I52590639","display_name":"Nottingham Trent University","ror":"https://ror.org/04xyxjd90","country_code":"GB","type":"education","lineage":["https://openalex.org/I52590639"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Alla Koblyakova","raw_affiliation_strings":[",","Property Management & Development, Maudslay 304, School of Architecture, Design and the Built Environment, Nottingham Trent University, Burton Street, Nottingham NG1 4BU, UK Email: alla.koblyakova@ntu.ac.uk"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":",","institution_ids":[]},{"raw_affiliation_string":"Property Management & Development, Maudslay 304, School of Architecture, Design and the Built Environment, Nottingham Trent University, Burton Street, Nottingham NG1 4BU, UK Email: alla.koblyakova@ntu.ac.uk","institution_ids":["https://openalex.org/I52590639"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5010943425","display_name":"Norman E. Hutchison","orcid":"https://orcid.org/0000-0002-5368-3277","observed_orcids":["https://orcid.org/0000-0002-5368-3277"]},"institutions":[{"id":"https://openalex.org/I195460627","display_name":"University of Aberdeen","ror":"https://ror.org/016476m91","country_code":"GB","type":"education","lineage":["https://openalex.org/I195460627"]}],"countries":["GB"],"is_corresponding":true,"raw_author_name":"Norman Hutchison","raw_affiliation_strings":[",","Centre for Real Estate Research, University of Aberdeen, Dunbar Street, Aberdeen AB24 3QY, UK"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":",","institution_ids":[]},{"raw_affiliation_string":"Centre for Real Estate Research, University of Aberdeen, Dunbar Street, Aberdeen AB24 3QY, UK","institution_ids":["https://openalex.org/I195460627"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5004109149","display_name":"Piyush Kumar Tiwari","orcid":"https://orcid.org/0000-0002-3195-2843","observed_orcids":["https://orcid.org/0000-0002-3195-2843","https://orcid.org/0009-0000-1169-5539"]},"institutions":[{"id":"https://openalex.org/I165779595","display_name":"The University of Melbourne","ror":"https://ror.org/01ej9dk98","country_code":"AU","type":"education","lineage":["https://openalex.org/I165779595"]}],"countries":["AU"],"is_corresponding":false,"raw_author_name":"Piyush Tiwari","raw_affiliation_strings":[",","Faculty of Architecture, Building and Planning, University of Melbourne, Parkville, VIC 3010, Australia. Email: piyush.tiwari@unimelb.edu.au"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":",","institution_ids":[]},{"raw_affiliation_string":"Faculty of Architecture, Building and Planning, University of Melbourne, Parkville, VIC 3010, Australia. Email: piyush.tiwari@unimelb.edu.au","institution_ids":["https://openalex.org/I165779595"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5010943425"],"corresponding_institution_ids":["https://openalex.org/I195460627"],"apc_list":null,"apc_paid":null,"fwci":2.897,"has_fulltext":false,"cited_by_count":20,"citation_normalized_percentile":{"value":0.91826496,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":88,"max":97},"biblio":{"volume":"48","issue":"9","first_page":"1499","last_page":"1513"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10632","display_name":"Housing Market and Economics","score":0.9984999895095825,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10632","display_name":"Housing Market and Economics","score":0.9984999895095825,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11817","display_name":"Housing, Finance, and Neoliberalism","score":0.0005000000237487257,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.0003000000142492354,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/mortgage-demand","display_name":"mortgage demand","score":0.8820000290870667},{"id":"https://openalex.org/keywords/variable-rate-mortgages","display_name":"variable-rate mortgages","score":0.953000009059906},{"id":"https://openalex.org/keywords/fixed-rate-mortgages","display_name":"fixed-rate mortgages","score":0.8820000290870667},{"id":"https://openalex.org/keywords/regional-variation","display_name":"regional variation","score":0.8560000061988831},{"id":"https://openalex.org/keywords/household-income","display_name":"household income","score":0.6840000152587891},{"id":"https://openalex.org/keywords/housing-affordability","display_name":"housing affordability","score":0.8799999952316284},{"id":"https://openalex.org/keywords/monetary-policy-shocks","display_name":"monetary policy shocks","score":0.9229999780654907},{"id":"https://openalex.org/keywords/uk-housing-market","display_name":"UK housing market","score":0.4830000102519989},{"id":"https://openalex.org/keywords/northern-england","display_name":"Northern England","score":0.7749999761581421},{"id":"https://openalex.org/keywords/scotland","display_name":"Scotland","score":0.9120000004768372},{"id":"https://openalex.org/keywords/wales","display_name":"Wales","score":1.0}],"concepts":[{"id":"https://openalex.org/C182365436","wikidata":"https://www.wikidata.org/wiki/Q50701","display_name":"Variable (mathematics)","level":2,"score":0.6246088743209839},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.5864886045455933},{"id":"https://openalex.org/C43039823","wikidata":"https://www.wikidata.org/wiki/Q6914671","display_name":"Mortgage underwriting","level":5,"score":0.5291816592216492},{"id":"https://openalex.org/C138893092","wikidata":"https://www.wikidata.org/wiki/Q7489541","display_name":"Shared appreciation mortgage","level":5,"score":0.46235689520835876},{"id":"https://openalex.org/C93226319","wikidata":"https://www.wikidata.org/wiki/Q193137","display_name":"Differential (mechanical device)","level":2,"score":0.44156718254089355},{"id":"https://openalex.org/C2991830913","wikidata":"https://www.wikidata.org/wiki/Q928786","display_name":"Regional studies","level":3,"score":0.4305485486984253},{"id":"https://openalex.org/C30087350","wikidata":"https://www.wikidata.org/wiki/Q5459916","display_name":"Floating interest rate","level":3,"score":0.4252021908760071},{"id":"https://openalex.org/C97330809","wikidata":"https://www.wikidata.org/wiki/Q4202997","display_name":"Mortgage insurance","level":4,"score":0.41771191358566284},{"id":"https://openalex.org/C175025494","wikidata":"https://www.wikidata.org/wiki/Q179179","display_name":"Interest rate","level":2,"score":0.359296977519989},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.30188435316085815},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.1244211196899414},{"id":"https://openalex.org/C2988954192","wikidata":"https://www.wikidata.org/wiki/Q482379","display_name":"Regional development","level":2,"score":0.11757412552833557},{"id":"https://openalex.org/C148383697","wikidata":"https://www.wikidata.org/wiki/Q1781695","display_name":"Regional science","level":1,"score":0.08577567338943481},{"id":"https://openalex.org/C22738907","wikidata":"https://www.wikidata.org/wiki/Q3813256","display_name":"Casualty insurance","level":3,"score":0.0},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.0},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0},{"id":"https://openalex.org/C146978453","wikidata":"https://www.wikidata.org/wiki/Q3798668","display_name":"Aerospace engineering","level":1,"score":0.0},{"id":"https://openalex.org/C134306372","wikidata":"https://www.wikidata.org/wiki/Q7754","display_name":"Mathematical analysis","level":1,"score":0.0},{"id":"https://openalex.org/C68799949","wikidata":"https://www.wikidata.org/wiki/Q977871","display_name":"Insurance policy","level":2,"score":0.0}],"mesh":[],"locations_count":3,"locations":[{"id":"doi:10.1080/00343404.2012.750426","doi":"https://doi.org/10.1080/00343404.2012.750426","is_oa":false,"landing_page_url":"https://doi.org/10.1080/00343404.2012.750426","pdf_url":null,"source":{"id":"https://openalex.org/S175672440","display_name":"Regional Studies","issn_l":"0034-3404","issn":["0034-3404","1360-0591"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a-star","anvur-class-a","anvur-scientific","cwts-core","fnege-2","jufo-3","norway-2","poland-140","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310319847","host_organization_name":"Routledge","host_organization_lineage":["https://openalex.org/P4310319847","https://openalex.org/P4310320547"],"host_organization_lineage_names":["Routledge","Taylor & Francis"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Regional Studies","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:taf:regstd:v:48:y:2014:i:9:p:1499-1513","doi":null,"is_oa":false,"landing_page_url":"http://hdl.handle.net/10.1080/00343404.2012.750426","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"},{"id":"pmh:oai:irep.ntu.ac.uk:17621","doi":null,"is_oa":false,"landing_page_url":"http://irep.ntu.ac.uk/id/eprint/17621/","pdf_url":null,"source":{"id":"https://openalex.org/S4306400559","display_name":"Nottingham Trent University's Institutional Repository (Nottingham Trent Repository)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I52590639","host_organization_name":"Nottingham Trent University","host_organization_lineage":["https://openalex.org/I52590639"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"Article"}],"best_oa_location":null,"sustainable_development_goals":[{"score":0.7578999996185303,"display_name":"Reduced inequalities","id":"https://metadata.un.org/sdg/10"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":50,"referenced_works":["https://openalex.org/W587971103","https://openalex.org/W617890366","https://openalex.org/W1504998075","https://openalex.org/W1531788780","https://openalex.org/W1541652582","https://openalex.org/W1840218356","https://openalex.org/W1861714652","https://openalex.org/W1966970118","https://openalex.org/W1981373779","https://openalex.org/W1995393548","https://openalex.org/W1997382324","https://openalex.org/W1999730570","https://openalex.org/W2003522479","https://openalex.org/W2028075756","https://openalex.org/W2039454359","https://openalex.org/W2047535866","https://openalex.org/W2048644849","https://openalex.org/W2053466578","https://openalex.org/W2055698637","https://openalex.org/W2059291920","https://openalex.org/W2060465351","https://openalex.org/W2062560398","https://openalex.org/W2062776005","https://openalex.org/W2063025307","https://openalex.org/W2063857894","https://openalex.org/W2073903014","https://openalex.org/W2077742470","https://openalex.org/W2078514641","https://openalex.org/W2082877040","https://openalex.org/W2083485815","https://openalex.org/W2091020207","https://openalex.org/W2093678059","https://openalex.org/W2098910318","https://openalex.org/W2106214365","https://openalex.org/W2119179545","https://openalex.org/W2123804388","https://openalex.org/W2150637392","https://openalex.org/W2151611255","https://openalex.org/W2157989656","https://openalex.org/W2499538554","https://openalex.org/W3022623205","https://openalex.org/W3121234933","https://openalex.org/W3123059484","https://openalex.org/W3123997365","https://openalex.org/W3124057042","https://openalex.org/W3206479273","https://openalex.org/W4210329151","https://openalex.org/W4233551533","https://openalex.org/W4246614402","https://openalex.org/W4401545442"],"related_works":["https://openalex.org/W2761262329","https://openalex.org/W2764140038","https://openalex.org/W7201855396","https://openalex.org/W2016355513","https://openalex.org/W7029302612","https://openalex.org/W4403524398","https://openalex.org/W7111942149","https://openalex.org/W7201887721","https://openalex.org/W817081049","https://openalex.org/W3004742179"],"abstract_inverted_index":{"Koblyakova":[0],"A.,":[1],"Hutchison":[2],"N.":[3],"and":[4,12,50,75,83,94],"Tiwari":[5],"P.":[6],"Regional":[7,19],"differences":[8],"in":[9,16,29,70],"mortgage":[10,13,30,36,64,106],"demand":[11],"instrument":[14],"choice":[15,31],"the":[17,34,46,52,98,105,114],"UK,":[18],"Studies.":[20],"This":[21],"paper":[22,53],"presents":[23],"empirical":[24],"evidence":[25],"of":[26,101],"regional":[27],"variations":[28],"decisions":[32],"within":[33,104],"UK's":[35],"sector.":[37],"Utilizing":[38],"British":[39],"Household":[40],"Panel":[41],"Survey":[42],"(BHPS)":[43],"data":[44],"for":[45],"years":[47],"2001,":[48],"2007":[49],"2008,":[51],"suggests":[54],"that":[55],"a":[56,61,110],"household's":[57],"decision":[58],"to":[59,68,92],"choose":[60],"variable":[62,86,102],"rate":[63,87],"is":[65],"more":[66,90],"likely":[67],"occur":[69],"areas":[71],"with":[72],"lower":[73],"incomes":[74],"affordability":[76],"rates,":[77],"such":[78],"as":[79],"Northern":[80],"England,":[81],"Scotland":[82],"Wales.":[84],"Since":[85],"mortgages":[88],"are":[89],"sensitive":[91],"income":[93],"monetary":[95],"policy":[96],"shocks,":[97],"disproportional":[99],"distribution":[100],"contracts":[103],"sector":[107],"may":[108],"have":[109],"differential":[111],"impact":[112],"on":[113],"regions.":[115]},"counts_by_year":[{"year":2025,"cited_by_count":2},{"year":2024,"cited_by_count":1},{"year":2023,"cited_by_count":1},{"year":2021,"cited_by_count":2},{"year":2020,"cited_by_count":4},{"year":2019,"cited_by_count":2},{"year":2018,"cited_by_count":3},{"year":2017,"cited_by_count":1},{"year":2016,"cited_by_count":2},{"year":2015,"cited_by_count":1},{"year":2014,"cited_by_count":1}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2016-06-24T00:00:00"}
