Policy Report: Vendor Terms

Over recent years, vendor terms mortgages have emerged as a way of marketing overpriced homes to predominately low-income consumers. Such mortgages can be particularly harmful as they often involve poor quality dwellings, high interest rates and misleading and unconscionable sales tactics. This research report makes a number of recommendations that aim to better regulate vendor terms mortgages, so that vulnerable consumers are not disadvantaged when entering the property market.

To read our report, please click here. [PDF]

A version including both the report and appendices is available here. [PDF]

And click here to access Appendix 2 [PDF] and Appendix 3. [PDF]

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