This paper summarises the broad patterns of mortgage lending in Britain in the 1970s as a background to a case study of mortgage lending in Bristol. Building society lending is compared over time and is contrasted with the pattern of local authority mortgage lending. The results of the Support Lending Scheme are also discussed. Finally the whole issue of finance for homeownership, with particular reference to the inner city, is evaluated in a discussion of present policy trends and future policy alternatives.
Get full access to this article
View all access options for this article.
References
1.
BassettK AShortJ R, 1978“Housing improvement in the inner city: A case study of changes before and after the 1974 Housing Act”Urban Studies15333–342
2.
BoddyM, 1976“The structure of mortgage finance: Building societies and the British social formation”Transactions of the Institute of British Geographers, New Series158–71
3.
Building Societies Association, 1978The Housing Policy Review and the Role of Building Societies (The Building Societies Association, London)
4.
ClarkS C, 1976“The last resort? How councils make home loans”Roof1138–140
5.
Community Development Project, 1976Profits against Homes (Community Development Project Information and Intelligence Unit, London)
6.
Council Minutes, 1977Housing Committee Minutes (Bristol District Council, Bristol)
7.
Department of the Environment, 1971“Local authority advances for house purchase” Circular 22/71, Department of the Environment, London
8.
Department of the Environment, 1975Final Report of the Working Party on Housing Co-operatives (HMSO, London)
9.
Department of the Environment, 1976Housing and Construction Statistics (HMSO, London)
10.
Department of the Environment, 1977aHousing Policy: A Consultative Document (HMSO, London)
11.
Department of the Environment, 1977bHousing Policy: Technical Volume, Part II (HMSO, London)
12.
Department of the Environment, 1977cUnequal City: Final Report of the Birmingham Inner Area Study (HMSO, London)
13.
Department of the Environment, 1978Housing and Construction Statistics (HMSO, London)
14.
DuncanS S, 1976“Self help: The allocation of mortgages and the formation of housing submarkets”Area8307–316
15.
GilmourAMusgraveS, 1974Alternative Patterns of Housing Tenure within the Public Sector (Directorate of Housing and Property Services, London Borough of Lambeth, London)
16.
HarloeMIssacharoffRMinnsR, 1974The Organisation of Housing (Heinemann, London)
17.
HMSO, 1970Classification of Occupations (HMSO, London)
18.
Holloway Tenants Co-operative, 1977Holloway Tenants Co-operative: Five Years On (Holloway Tenants Co-operative and North Islington Housing Rights Projects, London)
19.
HolmesC, 1978“The elusive panacea”Roof3110–112
20.
KarnV, 1976Priorities for Local Authority Mortgage Lending: A Case Study of Birmingham Research Memorandum 52, Centre for Urban and Regional Studies, University of Birmingham, Birmingham, England
21.
KarnV, 1979“Pity the poor home owners”Roof410–14
22.
KemenyJ, 1978“Urban homeownership in Sweden”Urban Studies15313–320
23.
KilroyB, 1977“No jackpot from council house sales”Roof274–80
24.
Labour Party, National Executive Committee, 1977Labour Party Response to the Housing Green Paper (Labour Party Press and Publicity Department, Transport House, London)
25.
LlewellynD, 1979“Do building societies take deposits away from the banks”Lloyds Bank Review13121–34
26.
McIntoshN, 1978“Mortgage support scheme holds the lending lines”Roof344–48
27.
NinerP, 1975“Local authority housing policy and practice” OP-31, Centre for Urban and Regional Studies, University of Birmingham, Birmingham, England
28.
Office of Population Censuses and Surveys, 1970Classification of Occupations (HMSO, London)
29.
PageD, 1975Co-operative Housing Handbook (National Federation of Housing Associations, London)
30.
ShortJ RBassettK A, 1978“Housing Action Areas: An evaluation”Area10153–157
31.
ShortJ RRamsdenP, 1978“Housing associations: A critical evaluation”Brycgstowe149–11
32.
WardC, 1974Tenants Take Over (The Architectural Press, London)
33.
WeirS, 1976“Red line districts”Roof1109–114
34.
WilliamsL, 1978“Relations between local authorities and building societies” in The Housing Policy Review and the Role of Building Societies (The Building Societies Association, London) pp 34–38
35.
WilliamsP R, 1978“Building societies and the inner city”Transactions of the Institute of British Geographers, New Series323–34
36.
WilsonB, 1976“The local authority mortgage referral scheme: (with particular reference to the inner city area of Bristol): A brief report”Department of Sociology, University of Bristol, Bristol
37.
WintourJ, 1978“Inner city obstacle course”Roof348–49
