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Disabled people and housingChoices, opportunities and barriers$
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Laura Hemingway

Print publication date: 2011

Print ISBN-13: 9781847428066

Published to Policy Press Scholarship Online: March 2012

DOI: 10.1332/policypress/9781847428066.001.0001

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Financial considerations: income, affordability and risk assessment

Financial considerations: income, affordability and risk assessment

(p.99) Five Financial considerations: income, affordability and risk assessment
Disabled people and housing

Laura Hemingway

Policy Press

Financial factors are extremely significant in the housing and disability relationship, yet these have been relatively overlooked in UK research. This chapter looks at this, from factors arising from wider social disadvantage, such as income and employment to lender perceptions of benefits in mortgage applications. It looks at the income and employment situations of disabled people, as evidenced in existing literature. It is well known, for example, that disabled people experience disadvantage in the labour market, and this may have a negative impact on opportunities for exercising choice within housing. It also examines how the mortgage industry might play a role in creating and reinforcing the barriers encountered by disabled people through risk assessment practices for mortgage application. It is shown, for instance, that when risk is assessed, disabled people's circumstances in relation to employment and income might be viewed negatively.

Keywords:   housing, disability, social disadvantage, mortgage applications, risk assessment, financial barriers

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