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• W1608476449 abstract "Choosing a mortgage product in the face of labor income risk, interest rate risk and borrowing constraints is one of the most important decisions facing a household. This paper investigates the choice between a variety of fixed rate mortgages and adjustable rate mortgages. We find that households with a high loan-to-value ratio, risky income and high risk aversion are more likely to choose a fixed rate mortgage. Choosing a mortgage product relies market search and information. The paper finds that in general first-time homebuyers and those with a high loan-to-value ratio are more likely to use a mortgage broker." @default.
• W1608476449 created "2016-06-24" @default.
• W1608476449 creator A5015830626 @default.
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• W1608476449 date "2005-02-01" @default.
• W1608476449 modified "2023-09-27" @default.
• W1608476449 title "Heterogeneous Homebuyers, Mortgage Choice and the use of Mortgage Brokers" @default.
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