‘Feels like I’m doing it on my own’: Examining the synchronicity between policy responses and the circumstances and experiences of mortgage borrowers in arrears.

Research output: Contribution to journalArticlepeer-review


The previous administration introduced several measures to prevent mortgage possessions, some of which were modestly effective. However, these hastily introduced initiatives have been insufficient to bridge the gap between a fragmented policy framework and borrowers’ circumstances and experiences of managing mortgage debt. The present restructuring of welfare and regulation represents a unique window to address long-standing policy omissions in relation to sustainable homeownership in the UK. In the context of weakening state support, it is uncertain how or indeed whether, the opportunity to reform mortgage safety nets will be grasped. This article reflects upon the continuing misalignment of policy with borrowers’ circumstances and experiences of mortgage arrears using new evidence from this downturn.
Original languageEnglish
Pages (from-to)117-129
JournalSocial Policy and Society
Issue number1
Publication statusPublished - 2012


  • mortgage
  • arrears
  • possessions
  • downturn
  • mortgage safety nets

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