Beverley A Searle
Dados Biográficos
| ID | 166136 |
|---|---|
| NOME | Beverley A Searle |
| PRENOMES | Beverley A |
| SOBRENOME | Searle |
| ASSINATURA | SEARLE B A |
| AFILIAÇÕES | University of Dundee |
| ORCID | 0000-0003-4319-432X |
| VERIFICADO | Sim |
| TOTAL DE OBRAS | 15 |
| TOTAL DE CITAÇÕES | 262 |
| TOTAL COMO AUTOR | 15 |
| TOTAL COMO EDITOR | 0 |
| PRIMEIRO ANO DE PUBLICAÇÃO | 2008 |
| ANO MAIS RECENTE DE PUBLICAÇÃO | 2025 |
| ÍNDICE H | 11 |
Learning for sustainability in Scotland
Research commissioned by the Scottish Government in 2022 investigated Learning for Sustainability (LfS) as it is experienced through the Scottish Curriculum for Excellence (CfE) by young people (14+ years), practitioners in secondary schools (teachers), and in community learning and development (CLD) settings. The research sought to identify best practice in LfS, its challenges, and successes since the implementation of the Scotland’s Learning fo…
Social dynamics of community resilience building in the face of climate change
Three emergencies of climate change
Climate challenge brings three, not just one, emergencies. These are the visible, conceptual and existential, all of which are urgent and important. The three emergencies are starkly highlighted in Louisiana, where historical coastal development and climate-induced sea level rise is causing visible emergencies in the form of extensive land loss and increased impacts of flooding and storm surges, leading to forced relocation of settlements. The vi…
Ten essentials for action-oriented and second order energy transitions, transformations and climate change research
The most critical question for climate research is no longer about the problem, but about how to facilitate the transformative changes necessary to avoid catastrophic climate-induced change. Addressing this question, however, will require massive upscaling of research that can rapidly enhance learning about transformations. Ten essentials for guiding action-oriented transformation and energy research are therefore presented, framed in relation to…
Becoming a landlord
Ongoing neoliberal policies have realigned the links between housing and welfare, positioning residential property investment – commonly through homeownership and exceptionally also through landlordism – at the core of households’ asset-building strategies. Nonetheless, the private rented sector (PRS) has been commonly portrayed as a tenure option for tenants rather than a welfare strategy for landlords. Drawing on qualitative interviews with lan…
Debt amnesia
In Anglo-Saxon societies, homeowners expect to create synergies between the owned house seen as a space of shelter, a place of home, a store of wealth and increasingly, an investment vehicle (and an object of debt). Drawing on interviews with owner-occupiers and on historic house value and mortgage data in Great Britain, we examine the way in which homes' meanings are negotiated through the subjective calculation of the financial costs and gains …
Debted Objects
This paper assesses the relevance of mortgage-led consumption for the assemblage of home. Drawing on qualitative research completed in the UK, we show how the materials and meanings of owner-occupation are constituted by, and experienced through, the accumulation and deployment of secured debt. This is enabled by a particular financial regime, in which the proceeds of equity borrowing are freed for discretionary expenditure. Homes and their conte…
Channels from Housing Wealth to Consumption
This paper uses micro-data from two national panel surveys to analyze the flow of wealth from residential property onto households' balance sheets, where it is available for discretionary spending. The examples are Australia and the UK—two of the world's most entrenched nations of owner occupation, both with relatively complete mortgage markets. We focus on the early 2000s, which set the scene for an unprecedented wave of housing equity withdrawa…
Motivations for Equity Borrowing
During the early 2000s, mortgage market innovation together with home price appreciation increased the scope for mortgage equity withdrawal. From a macroeconomic perspective, this proved to be an important transmission mechanism for the wealth (particularly collateral) effects of housing. Microeconomic accounts of equity borrowing are less well developed, since standard models of savings and consumption rarely take housing wealth into account. Th…
UK Housing Review 2011/12 (20th Edition)
Hal Pawson & Steve Wilcox (Eds), Coventry, Chartered Institute of Housing, 2012, 246 pp., £45.00 (pbk), ISBN 9781905018895 The latest edition of the UK Housing Review arrived on my desk for review
From Housing Wealth to Mortgage Debt
Housing has been unjustifiably neglected in comparative welfare state research. The banking crisis of 2007–08, however, revealed how important housing, especially home ownership and the institutional structures of the mortgage market, has become to welfare state change. Securitisation of mortgages created a new circuit of global capital, while national mortgage markets became the conduit through which home owners were connected to this wave of gl…
From housing wealth to well-being
The positive health effects of owner-occupation, compared to renting, are well documented. But home ownership is itself heterogeneous, as is the health profile of its incumbents, and this is less well recognised. Drawing from a mixed-methods study, which includes 150 qualitative interviews with a cross-section of UK mortgage holders, this paper examines the health implications of a definitive feature of owned housing: its role as a financial tool…
Mortgage markets and cultures of consumption
Although consumption studies now dominate large areas of social and cultural research, relatively little attention has been paid to the consumption of financial products and services. However, the consumption of mortgages moved to centre‐stage in the early twenty‐first century, as products that were once tightly rationed were more actively sold, and households were faced with an unprecedented array of borrowing options. Drawing from qualitative t…
Rethinking the Risks of Home Ownership
Most debate on home ownership and risk has focused on the management of mortgage debt. But there are other risks for home buyers in settings where housing dominates people's wealth portfolios: where the investment dimensions of property are at a premium; and where housing wealth is,de facto, an asset base for welfare. This article draws from qualitative research with 150 UK mortgage holders to assess the character, extent and possible mitigation …
Dematerialising Money? Observations on the Flow of Wealth from Housing to Other Things
This paper examines the extent and relevance of mortgage equity withdrawal (MEW) in the UK. MEW has, of late, been of most interest as a mechanism transmitting the wealth affects of housing into whole economies. Its implications for housing and social policy are less well documented. To redress the balance, the paper first offers a critique of data resources, before drawing from five substantial surveys to document the growing significance and ch…
Ten essentials for action-oriented and second order energy transitions, transformations and climate change research
The most critical question for climate research is no longer about the problem, but about how to facilitate the transformative changes necessary to avoid catastrophic climate-induced change. Addressing this question, however, will require massive upscaling of research that can rapidly enhance learning about transformations. Ten essentials for guiding action-oriented transformation and energy research are therefore presented, framed in relation to…
From Housing Wealth to Mortgage Debt
Housing has been unjustifiably neglected in comparative welfare state research. The banking crisis of 2007–08, however, revealed how important housing, especially home ownership and the institutional structures of the mortgage market, has become to welfare state change. Securitisation of mortgages created a new circuit of global capital, while national mortgage markets became the conduit through which home owners were connected to this wave of gl…
Becoming a landlord
Ongoing neoliberal policies have realigned the links between housing and welfare, positioning residential property investment – commonly through homeownership and exceptionally also through landlordism – at the core of households’ asset-building strategies. Nonetheless, the private rented sector (PRS) has been commonly portrayed as a tenure option for tenants rather than a welfare strategy for landlords. Drawing on qualitative interviews with lan…
From housing wealth to well-being
The positive health effects of owner-occupation, compared to renting, are well documented. But home ownership is itself heterogeneous, as is the health profile of its incumbents, and this is less well recognised. Drawing from a mixed-methods study, which includes 150 qualitative interviews with a cross-section of UK mortgage holders, this paper examines the health implications of a definitive feature of owned housing: its role as a financial tool…
Rethinking the Risks of Home Ownership
Most debate on home ownership and risk has focused on the management of mortgage debt. But there are other risks for home buyers in settings where housing dominates people's wealth portfolios: where the investment dimensions of property are at a premium; and where housing wealth is,de facto, an asset base for welfare. This article draws from qualitative research with 150 UK mortgage holders to assess the character, extent and possible mitigation …
Dematerialising Money? Observations on the Flow of Wealth from Housing to Other Things
This paper examines the extent and relevance of mortgage equity withdrawal (MEW) in the UK. MEW has, of late, been of most interest as a mechanism transmitting the wealth affects of housing into whole economies. Its implications for housing and social policy are less well documented. To redress the balance, the paper first offers a critique of data resources, before drawing from five substantial surveys to document the growing significance and ch…
Debted Objects
This paper assesses the relevance of mortgage-led consumption for the assemblage of home. Drawing on qualitative research completed in the UK, we show how the materials and meanings of owner-occupation are constituted by, and experienced through, the accumulation and deployment of secured debt. This is enabled by a particular financial regime, in which the proceeds of equity borrowing are freed for discretionary expenditure. Homes and their conte…
Channels from Housing Wealth to Consumption
This paper uses micro-data from two national panel surveys to analyze the flow of wealth from residential property onto households' balance sheets, where it is available for discretionary spending. The examples are Australia and the UK—two of the world's most entrenched nations of owner occupation, both with relatively complete mortgage markets. We focus on the early 2000s, which set the scene for an unprecedented wave of housing equity withdrawa…
Mortgage markets and cultures of consumption
Although consumption studies now dominate large areas of social and cultural research, relatively little attention has been paid to the consumption of financial products and services. However, the consumption of mortgages moved to centre‐stage in the early twenty‐first century, as products that were once tightly rationed were more actively sold, and households were faced with an unprecedented array of borrowing options. Drawing from qualitative t…
Debt amnesia
In Anglo-Saxon societies, homeowners expect to create synergies between the owned house seen as a space of shelter, a place of home, a store of wealth and increasingly, an investment vehicle (and an object of debt). Drawing on interviews with owner-occupiers and on historic house value and mortgage data in Great Britain, we examine the way in which homes' meanings are negotiated through the subjective calculation of the financial costs and gains …
Motivations for Equity Borrowing
During the early 2000s, mortgage market innovation together with home price appreciation increased the scope for mortgage equity withdrawal. From a macroeconomic perspective, this proved to be an important transmission mechanism for the wealth (particularly collateral) effects of housing. Microeconomic accounts of equity borrowing are less well developed, since standard models of savings and consumption rarely take housing wealth into account. Th…
Social dynamics of community resilience building in the face of climate change
Three emergencies of climate change
Climate challenge brings three, not just one, emergencies. These are the visible, conceptual and existential, all of which are urgent and important. The three emergencies are starkly highlighted in Louisiana, where historical coastal development and climate-induced sea level rise is causing visible emergencies in the form of extensive land loss and increased impacts of flooding and storm surges, leading to forced relocation of settlements. The vi…
Dematerialising Money? Observations on the Flow of Wealth from Housing to Other Things
This paper examines the extent and relevance of mortgage equity withdrawal (MEW) in the UK. MEW has, of late, been of most interest as a mechanism transmitting the wealth affects of housing into whole economies. Its implications for housing and social policy are less well documented. To redress the balance, the paper first offers a critique of data resources, before drawing from five substantial surveys to document the growing significance and ch…
From housing wealth to well-being
The positive health effects of owner-occupation, compared to renting, are well documented. But home ownership is itself heterogeneous, as is the health profile of its incumbents, and this is less well recognised. Drawing from a mixed-methods study, which includes 150 qualitative interviews with a cross-section of UK mortgage holders, this paper examines the health implications of a definitive feature of owned housing: its role as a financial tool…
Mortgage markets and cultures of consumption
Although consumption studies now dominate large areas of social and cultural research, relatively little attention has been paid to the consumption of financial products and services. However, the consumption of mortgages moved to centre‐stage in the early twenty‐first century, as products that were once tightly rationed were more actively sold, and households were faced with an unprecedented array of borrowing options. Drawing from qualitative t…
Rethinking the Risks of Home Ownership
Most debate on home ownership and risk has focused on the management of mortgage debt. But there are other risks for home buyers in settings where housing dominates people's wealth portfolios: where the investment dimensions of property are at a premium; and where housing wealth is,de facto, an asset base for welfare. This article draws from qualitative research with 150 UK mortgage holders to assess the character, extent and possible mitigation …
From Housing Wealth to Mortgage Debt
Housing has been unjustifiably neglected in comparative welfare state research. The banking crisis of 2007–08, however, revealed how important housing, especially home ownership and the institutional structures of the mortgage market, has become to welfare state change. Securitisation of mortgages created a new circuit of global capital, while national mortgage markets became the conduit through which home owners were connected to this wave of gl…
UK Housing Review 2011/12 (20th Edition)
Hal Pawson & Steve Wilcox (Eds), Coventry, Chartered Institute of Housing, 2012, 246 pp., £45.00 (pbk), ISBN 9781905018895 The latest edition of the UK Housing Review arrived on my desk for review
Debted Objects
This paper assesses the relevance of mortgage-led consumption for the assemblage of home. Drawing on qualitative research completed in the UK, we show how the materials and meanings of owner-occupation are constituted by, and experienced through, the accumulation and deployment of secured debt. This is enabled by a particular financial regime, in which the proceeds of equity borrowing are freed for discretionary expenditure. Homes and their conte…
Channels from Housing Wealth to Consumption
This paper uses micro-data from two national panel surveys to analyze the flow of wealth from residential property onto households' balance sheets, where it is available for discretionary spending. The examples are Australia and the UK—two of the world's most entrenched nations of owner occupation, both with relatively complete mortgage markets. We focus on the early 2000s, which set the scene for an unprecedented wave of housing equity withdrawa…
Motivations for Equity Borrowing
During the early 2000s, mortgage market innovation together with home price appreciation increased the scope for mortgage equity withdrawal. From a macroeconomic perspective, this proved to be an important transmission mechanism for the wealth (particularly collateral) effects of housing. Microeconomic accounts of equity borrowing are less well developed, since standard models of savings and consumption rarely take housing wealth into account. Th…
Debt amnesia
In Anglo-Saxon societies, homeowners expect to create synergies between the owned house seen as a space of shelter, a place of home, a store of wealth and increasingly, an investment vehicle (and an object of debt). Drawing on interviews with owner-occupiers and on historic house value and mortgage data in Great Britain, we examine the way in which homes' meanings are negotiated through the subjective calculation of the financial costs and gains …
Ten essentials for action-oriented and second order energy transitions, transformations and climate change research
The most critical question for climate research is no longer about the problem, but about how to facilitate the transformative changes necessary to avoid catastrophic climate-induced change. Addressing this question, however, will require massive upscaling of research that can rapidly enhance learning about transformations. Ten essentials for guiding action-oriented transformation and energy research are therefore presented, framed in relation to…
Becoming a landlord
Ongoing neoliberal policies have realigned the links between housing and welfare, positioning residential property investment – commonly through homeownership and exceptionally also through landlordism – at the core of households’ asset-building strategies. Nonetheless, the private rented sector (PRS) has been commonly portrayed as a tenure option for tenants rather than a welfare strategy for landlords. Drawing on qualitative interviews with lan…
Social dynamics of community resilience building in the face of climate change
Three emergencies of climate change
Climate challenge brings three, not just one, emergencies. These are the visible, conceptual and existential, all of which are urgent and important. The three emergencies are starkly highlighted in Louisiana, where historical coastal development and climate-induced sea level rise is causing visible emergencies in the form of extensive land loss and increased impacts of flooding and storm surges, leading to forced relocation of settlements. The vi…
Learning for sustainability in Scotland
Research commissioned by the Scottish Government in 2022 investigated Learning for Sustainability (LfS) as it is experienced through the Scottish Curriculum for Excellence (CfE) by young people (14+ years), practitioners in secondary schools (teachers), and in community learning and development (CLD) settings. The research sought to identify best practice in LfS, its challenges, and successes since the implementation of the Scotland’s Learning fo…
Housing, Finance, and Neoliberalism (11 obras) · Economics (10 obras) · Political science (10 obras) · Business (9 obras) · Sociology (9 obras) · Finance (8 obras) · Housing Market and Economics (8 obras) · Home equity (6 obras) · Law (6 obras) · Market economy (6 obras)