Housing equity withdrawal: uses, risks, and barriers to alternative mechanisms in later life
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This project uncovers the uses, risks of and barriers to housing equity withdrawal (HEW) by older home owners aged 45 years and over via three alternative mechanisms: in situ mortgage equity withdrawal (MEW), downsizing and selling up. Its overall objective is to provide an evidence base for policies and programs aimed at maximising the availability and quality of information to support Australians in their decision-making over the use of housing wealth in later life.
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Ong, Rachel; Wood, G.; Austen, Siobhan; Jefferson, Therese; Haffner, M. (2015)In an era of population ageing, the primary home is increasingly viewed as a personal resource that can perform a pension role in retirement. This article assesses the extent to which Australians aged 45 years and over ...
Housing Equity Withdrawal: Perceptions of Obstacles among Older Australian Home Owners and associated Service ProvidersJefferson, Therese; Austen, Siobhan; Ong, Rachel; Haffner, M.; Wood, Gavin (2017)Housing wealth dominates the asset portfolios of the older population in Australia and many other countries. Given the anticipated spike in fiscal costs associated with population ageing, there is growing policy interest ...
Wood, Gavin; Parkinson, S.; Searle, B.; Smith, S. (2013)During the early 2000s, mortgage market innovation together with home price appreciation increased the scope for mortgage equity withdrawal. From a macroeconomic perspective, this proved to be an important transmission ...