In many developed countries, house prices have been rising rapidly, mortgage debt has been increasing and affordability has worsened. It is in this context that the standard annuity mortgage is increasingly being supplanted by mortgages with non-standard features, such as longer terms or...

The Foyer movement in the UK developed in the early 1990s as a government sponsored response to inter-related youth problems of homelessness, unemployment and limited training and recreation facilities. In an attempt to 're-enfranchise'; large numbers of young people a strategy of providing...