The end of a 'golden era' for mortgages
Date: 23. May 2014
Matthew Whittaker
It's been a busy week in the world of monetary policy. On Sunday, Mark Carney said that rising house prices pose the biggest threat to economic recovery. On Tuesday, the official statistics told us what we already knew – that house prices in London are soaring, by 17 per cent year-on-year.
We need to solve the mortgage problem before interest rates rise
Date: 23. May 2014
Matthew Whittaker
The question of when interest rates should begin to rise has been much-discussed in recent weeks, and after five years of sitting at the rock-bottom level of 0.5 per cent, a gradual increase is expected from next year onwards.
The ‘mortgage prisoners’ with no escape route
Date: 22. May 2014
Matthew Whittaker
Mark Carney, the governor of the Bank of England, has made headlines after expressing concerns about the dangers of another “big debt overhang” building up as house prices continue to rise and approvals for large mortgages increase.
Seattle, Stuttgart, Switzerland – welcome to the new era of minimum wage radicalism
Date: 16. May 2014
Gavin Kelly
Lift your gaze from the humdrum debate on living standards in the UK and look overseas: something seems to be stirring on the politics of low pay. On Sunday, the Swiss vote on whether to introduce a wage floor of an almighty 22 francs (£14.90) per hour – by some way the highest in the world.
Laura Gardiner interview on self-employment
Date: 15. May 2014
Laura Gardiner
The growth of self-employment has become one of the stories of the recovery. While the number of employees has only recently regained its pre-recession level, the number of people who are self-employed has grown by 650,000 since 2008 to reach 4.5 million, or nearly 15 per cent of all employment. We set out to understand what’s been driving this growth, and what life is like as a self-employed person.
The UK’s surge in self-employment brings with it increased financial insecurity
Date: 8. May 2014
Conor D'Arcy
One in seven workers in the UK are now self-employed with more than 650,000 starting out on their own since the recession. While some have argued that many work for themselves more out of necessity than choice, a recent survey for the Resolution Foundation confirmed that the overwhelming majority of the UK’s 4.5 million self-employed prefer being their own boss.
The risks and rewards of being self-employed
Date: 7. May 2014
Laura Gardiner
Since the recession, the Yorkshire and Humber region has added 14,000 employees but an extra 22,000 self-employed people. It looks as if higher levels of self-employment are here to stay but our research suggests that while most of the self-employed prefer being their own boss, they often struggle with accessing basics such as housing and credit.
Looking past the headlines on zero-hours contracts
Date: 30. April 2014
Laura Gardiner
Today’s new figures from the ONS shed further light on recent lively debate on zero-hours contracts (ZHCs). Sort of. Back in 2012, around the time that the zero-hours debate began to capture the attention of politicians and commentators, it was reported that there were around a quarter of a million workers on a ZHC in the UK, although many thought this sounded low.
Mobility and the squeezed middle
Date: 22. April 2014
Craig Holmes
A common criticism of the recent concern over rising inequality is that it looks at the distribution of earnings and wealth at one point in time. Individuals are mobile and tend, on balance, to find better paying jobs over the course of their lifetime, which might mean that looking at their wages at any one point overstates the differences in standards of living taken from a whole life perspective.
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