Mortgages

First published in 2014, our Chief Exec's book 'Britain's Personal Debt Crisis', traced how decades of financial liberalisation left millions of households dependent on debt. Long out of print, it is now freely available as a digital reissue with a new preface. The preface asks what has changed since 2014 and why the Government's critique of "40 years of wrong turns" must account for household debt. The reissue includes corrections, a full bibliography and a new index.

September 29, 2026

360

 min read

In 2016 we were jointly commissioned by UNISON and the TUC to undertake an analysis of over-indebtedness in Britain. The report highlighted how traditional measures of the debt burden understated this because they fail to take account of rising living costs. We construct a new measure based not on gross incomes but on the level of interest payments relative to the available surplus of income over non debt related expenditure. We call for this measure to be used to guide future policy interventions.

June 1, 2016

60

 min read