All Outputs (3)

House prices, wealth effects and labour supply (2017)
Journal Article
Disney, R., & Gathergood, J. (2018). House prices, wealth effects and labour supply. Economica, 85(339), 449-478. https://doi.org/10.1111/ecca.12253

We examine the impact of house prices on labour supply decisions using UK micro data. We combine household survey data with local level house price measures and controls for local labour demand. Our micro data also allows us to control for individual... Read More about House prices, wealth effects and labour supply.

Financial literacy: a barrier to home ownership for the young? (2017)
Journal Article
Gathergood, J., & Weber, J. (in press). Financial literacy: a barrier to home ownership for the young?. Journal of Urban Economics, 99, https://doi.org/10.1016/j.jue.2017.02.001

The decision to buy a home is one of the most important choices faced by a household. Most young households who purchase a home do so using a mortgage. But mortgages are complex financial instruments and this complexity may be a barrier to less sophi... Read More about Financial literacy: a barrier to home ownership for the young?.

Financial literacy, present bias and alternative mortgage products (2017)
Journal Article
Gathergood, J., & Weber, J. (2017). Financial literacy, present bias and alternative mortgage products. Journal of Banking and Finance, 78, 58-83. https://doi.org/10.1016/j.jbankfin.2017.01.022

Choosing a mortgage is one of the most important financial decisions made by a household. Financial innovation has given rise to more complex mortgage products with back-loaded payments, known as ‘Alternative Mortgage Products’ (AMPs), or ‘Interest-O... Read More about Financial literacy, present bias and alternative mortgage products.