Research Staff

Dr Louise Overton

Staff positionResearch Fellow
Emailloverton@essex.ac.uk
Research interests

My main research interests include housing, asset-based welfare, personal finance and ageing. I am particularly interested in the role and relevance of housing wealth for welfare, and the mechanisms that facilitate housing wealth decumulation in later life.

Using a combination of quantitative and qualitative methods, my PhD thesis explored the role of equity release in later life, while the project that I am currently working on looks at the decision-making processes of equity release consumers, and the extent to which financial and legal advice support these. This work forms part of a wider Leverhulme-funded project called Mind the (Housing) Wealth Gap: Intergenerational justice and family welfare (Leverhulme Research Programme Grant, RP20 II-IJ-024).

Publications
  • Fox O'Mahony, L. & Overton, L. (2014) 'Asset-based Welfare, Equity Release, and the Meaning of the Owned Home', Housing Studies, DOI:10.1080/02673037.2014.963523
  • Fox O’Mahony, L. & Overton, L. (2014) 'Financial advice, differentiated consumers and the regulation of equity release transactions', Journal of Law and Society, No. 41, pp. 446-469,
  • Overton, L. (2012) ‘Le rôle des prêts viagers hypothécaires chez les seniors: études de cas au Royaume-Uni’ (Exploring the role of equity release in later life: Experiences from the UK), Retraite et Société, No. 62, pp. 81-103.
  • Overton, L. (2010) Housing and Finance in Later Life: A study of UK equity release customers, London: Age UK.
  • Overton, L. & Doling, J. (2010) ‘Reverse mortgage borrowers: Characteristics and motives’ in Hypostat, 2009, published in November 2010.
  • Doling, J. & Overton, L. (2010) The European Commission’s Green Paper: reverse mortgages as a source of retirement income, Wiadomosci Ubezpieczeniowe, No. 3, pp.45-59

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