This paper empirically examines the relationship between income risk and mortgage instrument choice among Japanese households. Since theoretical predictions about the impact of income risks on mortgage choice are mixed, it is important to investigate empirically whether or not risky households...

Purpose This paper assesses the lending risks associated with the level of total household indebtedness at the local authority level across the UK. Design/methodology/approach Using GIS-based Exploratory Data Analysis and mapping, the paper identifies local concentrations of household borrowing,...