Something will turn up? Financial over-optimism and mortgage arrears

Chris Dawson, Andrew Gordon Henley

Research output: Contribution to journalArticlepeer-review

17 Citations (SciVal)


This paper investigates the association between unrealised financial expectations (over-optimism) and subsequent mortgage repayment difficulties, using British longitudinal data. Evidence is provided that an increased probability of mortgage payment difficulties post committal is associated with over-optimism prior to new mortgage advances.
Original languageEnglish
Pages (from-to)49-52
JournalEconomics Letters
Issue number1
Publication statusPublished - Oct 2012


  • Financial optimism
  • Expectations
  • Mortgage arrears


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