Home ownership in recession

Abstract
Since 1989, the home ownership sector in Britain has experienced a number of changes which would have been dismissed in advance as unlikely. Falling levels of transactions, falling house prices and falling new construction have been accompanied by rising mortgage arrears, rising repossessions and the emergence of home owners with negative equity. The impact of these changes on the wider economy has also contributed to a reassessment of home ownership. This paper outlines the key changes which have affected the home ownership sector in Britain and considers whether these changes are affecting attitudes to home ownership and state intervention to sustain the tenure. It also argues that the changes have been of sufficient duration to be regarded as more than a short‐term ‘blip’ and demonstrate the need to review some accounts of the tenure.

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