The subprime related global financial crisis just seen has brought with it a number of international studies investigating factors influencing householdsí mortgage rate choice. These studies focus primarily on contract factors or are explorations of consumer financial literacy as an important...

The purpose of this paper is to investigate consumer characteristics that influence Swedish consumers' mortgage rate decisions, such as the choice between an adjustable rate mortgage (ARM) and a fixed rate mortgage (FRM). Data were collected in a randomised survey of the Swedish population in...