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Analyzing fixed and variable interest rates preferences in the United Kingdom
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This thesis explores the impacts of rising interest rates on household finances through group and individual analyses. The group study highlights the macroeconomic context of interest rate spikes, their effects on borrowing, savings, and financial stability across households. It examines how these changes influence housing markets, mortgage costs, and consumer behavior in an environment of economic uncertainty.
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Household Factors Influencing Mortgage Equity Withdrawal in the Netherlands: This study reveals that older homeowners and households facing liquidity constraints are more likely to use mortgage equity withdrawal as a financial strategy.
Preferences for Fixed vs. Variable Interest Rates in the UK: The analysis identifies a clear preference for fixed-rate mortgages during rising interest rates, driven by economic uncertainty and demographic factors.
Impact of Income, Assets, and Liquidity Constraints on Savings: This research uncovers how income levels, mortgage contracts, and liquidity constraints shape savings behavior, particularly among households facing financial pressure.
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Housing Mortgages Interest rates Savings