ÿþ<!DOCTYPE HTML PUBLIC '-//W3C//DTD HTML 4.01//EN'> <html><head><title>Title Page</title><meta http-equiv='Content-Type' content='text/html; charset=iso-8859-1'><style type='text/css'>h1 { margin:0px 0px 0px 0px; padding:0px; font-size:large; font-weight:900; font-family:verdana, arial, helvetica, sans-serif; text-align:center; color:#000; }h2 { font-size:medium; font-weight:900; font-family:verdana, arial, helvetica, sans-serif; margin:10px 0px -2px 0px; padding:0px; color:#000; }h2.myclass { font-size:medium; font-weight:900; font-family:verdana, arial, helvetica, sans-serif; margin:10px 0px -2px 0px; padding:0px; color:#000; text-align:center;}h3 { font-size:13px; font-weight:700; font-family:verdana, arial, helvetica, sans-serif; margin:0px 0px -1px 0px; padding:0px; color:#07a; }h3.myclass { font-size:13px; font-weight:700; font-family:verdana, arial, helvetica, sans-serif; margin:0px 0px -1px 0px; padding:0px; color:#07a; text-align:center;}h4 { font-size:x-large; font-family:garamond, serif; color:#09f; text-align:center; margin:0px 0px 5px 0px; padding:0px;}h5 { font-size:13px; font-family:verdana, arial,sans-serif; font-weight:600; margin:0px 0px 5px 50px; padding:0px;}i.myclass{color:#07a;}</style></head><body> <H1> Banking on Housing; Spending the Home, 2004-2007 </H1> <H3 class='myclass'> UKDA study number:5849</h3> <H2 class='myclass'>Principal Investigators </H2> <H3 class='myclass'> Smith, S.J.<br>Searle, B.<br>Cook, N.<br>University of Durham. Department of Geography<br> </H3> <H2 class='myclass'>Sponsor</H2> <H3 class='myclass'>Economic and Social Research Council<br></H3> <H2 class='myclass'>Distributed by</H2> <H3 class='myclass'>UK Data Archive, University of Essex, Colchester.</H3> <H3 class='myclass'> July 2008 </H3> <div style='page-break-before:always'></div> <H1>&nbsp;</H1><H1>Bibliographic Citation</H1> <H5> All works which use or refer to these materials should acknowledge these sources by means of bibliographic citation. To ensure that such source attributions are captured for bibliographic indexes, citations must appear in footnotes or in the reference section of publications. The bibliographic citation for this data collection is: </h5> <H5> Smith, S.J., Searle, B. and Cook, N., <i> Banking on Housing; Spending the Home, 2004-2007</i> [computer file]. Colchester, Essex: UK Data Archive [distributor], July 2008. SN: 5849, http://dx.doi.org/10.5255/UKDA-SN-5849-1. </h5><H1>&nbsp;</H1> <H1 >Acknowledgement</h1> <h5> Any publication, whether printed, electronic or broadcast, based wholly or in part on these materials, should acknowledge the original data creators, depositors or copyright holders, the funders of the Data Collections (if different) and the UK Data Archive, and to acknowledge Crown Copyright where appropriate. <br> Any publication, whether printed, electronic or broadcast, based wholly or in part on these materials should carry a statement that the original data creators, depositors or copyright holders, the funders of the Data Collections (if different) and the UK Data Archive bear no responsibility for their further analysis or interpretation. </h5><H5>&nbsp;</H5> <h5><b>Copyright: </b><br> S. Smith, B. Searle and N. Cook </h5><H1>&nbsp;</H1> <H1>Disclaimer</H1> <h5> Although all efforts are made to ensure the quality of the materials, neither the original data creators, depositors or copyright holders, the funders of the Data Collections, nor the UK Data Archive bear any responsibility for the accuracy or comprehensiveness of these materials.<br> </h5><h5>&nbsp;</h5><h5>All rights reserved. No part of these materials may be reproduced, stored in, or introduced into a retrieval system, or transmitted, in any form, or by any means (electronic, mechanical, photocopying, recording or otherwise) without the prior written permission of the UK Data Archive.<br><br>UK Data Archive<br> University of Essex<br> Wivenhoe Park<br> Colchester<br> Essex C04 3SQ<br> United Kingdom<br>www.data-archive.ac.uk <br><br> </h5> <h2 style='page-break-before:always'> 5849 . Banking on Housing; Spending the Home, 2004-2007<br> </h2><h3>&nbsp;</h3> <h3>Depositor:</h3> <h5>Smith, S.J. , University of Durham. Department of Geography</h5> <h3>Principal Investigators:</h3> <h5>Smith, S.J. , University of Durham. Department of Geography</h5> <h5>Searle, B. , University of Durham. Department of Geography</h5> <h5>Cook, N. , University of Durham. Department of Geography</h5> <H3>Sponsor:</H3><H5> Economic and Social Research Council<br> <i class='myclass'> Grant Number:</i> RES-154-25-0012 </H5> <h3> Abstract: </h3> <h5>This project is part of the ESRC's Cultures of Consumption programme. It documents the processes by which housing equity ebbs and flows between bricks and mortar and other goods and services. Options for 'spending the home' include debt consolidation and the purchase of safety net services, as well as investments to add value and/or to create livings spaces. Equally the equity in homes may be used to buy education, lifestyles, time, or a range of other 'things'. By charting the negotiations and decisions directing streams of housing equity into the wider cultural and material environment, this project casts light on the meaning, significance and use of housing wealth in consumption, and on its theoretical, practical and policy-linked consequences. <br> <br> The data comprises of discussions about housing wealth, mortgage debt, and mortgage equity withdrawal. They were held with 119 home buyers in England. These mortgage holders were quota sampled from two previous studies to secure a spread of levels of unmortgaged housing equity and a range of mortgage types. The interview schedule considers: the extent to which home purchase is driven by likely investment returns; how 'mainstream' borrowers chose and manage their mortgage; and why, when and to what extent home buyers borrow from housing wealth to fund other expenditures.<br> <br> Interviews were open-ended and semi-structured, completed by telephone by an interview team of two. Interviews were conducted after initial contact by letter and telephone, by prior appointment with respondents who opted-in to the study, and had received appropriate information about the research. The interviews are transcribed verbatim. They are not marked up for hesitation, pauses, or expressions of emotion.<br> <br> Further information on this study can be found via the project's site <a href="http://www.consume.bbk.ac.uk/research/smith.html" title="Banking on Housing; Spending the Home">Banking on Housing; Spending the Home</a> and the ESRC's award page for <a href="http://www.esrcsocietytoday.ac.uk/ESRCInfoCentre/ViewAwardPage.aspx?awardnumber=RES-154-25-0012" title="Banking on Housing; Spending the Home">Banking on Housing; Spending the Home</a>.</h5><h3>Main Topics:</h3><h5>Housing wealth, mortgage equity withdrawal, owner-occupiers, consumption</h5> <h3>Coverage: </h3><h5> <i class='myclass'> Time Period Covered:</i> 01 December 2004 - 28 February 2007 <br><i class='myclass'>Dates of Fieldwork: </i> June 2005 - September 2005 <br><i class='myclass'>Country: </i> England <br><i class='myclass'>Spatial Units: </i> No spatial unit <br><i class='myclass'>Observation Units: </i> Individuals <br><i class='myclass'>Kind of Data: </i> Textual data; Semi-structured interview transcripts </h5> <h3>Universe Sampled: </h3><h5> <i class='myclass'>Location of Units of Observation:</i> National <br><i class='myclass'>Population:</i> English mortgage holders across England, covering a range of property styles including first time buyers </h5> <h3>Methodology: </h3><h5> <i class='myclass'>Time Dimensions: </i> Cross-sectional (one-time) study <br><i class='myclass'>Sampling Procedures: </i> Purposive selection/case studies <br><i class='myclass'>Number of Units:</i> 119 <br><i class='myclass'>Method of Data Collection: </i> Telephone interview <br><i class='myclass'>Weighting: </i> No weighting used </h5><h3>Language(s) of Written Materials: </h3> <h5>Study Description: English<br>Study Documentation: English<br></h5> <h3>Access: </h3><h5> <i class='myclass'>Access Conditions: </i> The depositor has specified that registration is required and standard conditions of use apply. The depositor may be informed about usage. See <a href='http://www.data-archive.ac.uk/orderingdata/termsandConditions.asp'>terms and conditions</a> for further information. <br><i class='myclass'>Availability: </i> ESDS Qualidata, UK Data Archive <br><i class='myclass'>Contact: </i></b> Help desk: qualidata@esds.ac.uk<br> </h5> <h3>Date of First Release:</h3><h5> 7 July 2008<br></h5> <h3> Copyright: </h3> <h5> S. Smith, B. Searle and N. Cook</h5> <br><br> <h3> File last updated: </h3> <h5>31 October 2011</h5> </body></html>