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Owner occupation: at home in a spatial, financial paradox

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  • Susan J. Smith

Abstract

The normalisation of home ownership is well-rehearsed, yet ongoing. In a bid to free up the intellectual, political and practical imagination around owner occupation, this paper confronts its absurdity. By way of four ‘thought experiments’, the text interrogates: a spatial paradox enabling housing services to deliver investment returns; a financial paradox enacted to wrest the rabbit of fiscal well-being from the hat of indivisible assets; some uncanny qualities infusing the security of home ownership; and the ill-fated anticipation that leveraged ownership might conjure something out of nothing where welfare needs arise. Having reviewed some limits to tenure-divided, ownership-centred housing systems, the paper concludes with a practical and ethical reflection on the future.

Suggested Citation

  • Susan J. Smith, 2015. "Owner occupation: at home in a spatial, financial paradox," International Journal of Housing Policy, Taylor & Francis Journals, vol. 15(1), pages 61-83, January.
    • Handle: RePEc:taf:intjhp:v:15:y:2015:i:1:p:61-83
    DOI: 10.1080/14616718.2014.997432
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    Cited by:

    1. Steffen Wetzstein, 2017. "The global urban housing affordability crisis," Urban Studies, Urban Studies Journal Limited, vol. 54(14), pages 3159-3177, November.
    2. Nicole Cook & Kristian Ruming, 2021. "The financialisation of housing and the rise of the investor-activist," Urban Studies, Urban Studies Journal Limited, vol. 58(10), pages 2023-2039, August.
    3. Rachel Ong ViforJ & William A.V. Clark & Susan J. Smith & Gavin A. Wood & William Lisowski & N.T. Khuong Truong & Melek Cigdem, 2021. "Tenure transitions at the edges of ownership: Reinforcing or challenging the status quo?," Environment and Planning A, , vol. 53(8), pages 1993-2011, November.
    4. Isil Erol, 2019. "New Geographies of Residential Capitalism: Financialization of the Turkish Housing Market Since the Early 2000s," International Journal of Urban and Regional Research, Wiley Blackwell, vol. 43(4), pages 724-740, July.
    5. Brett Christophers, 2021. "A tale of two inequalities: Housing-wealth inequality and tenure inequality," Environment and Planning A, , vol. 53(3), pages 573-594, May.
    6. French, Declan & McKillop, Donal & Sharma, Tripti, 2018. "What determines UK housing equity withdrawal in later life?," Regional Science and Urban Economics, Elsevier, vol. 73(C), pages 143-154.
    7. Yinnon Geva & Gillad Rosen, 2022. "A win-win situation? Urban regeneration and the paradox of homeowner displacement," Environment and Planning A, , vol. 54(1), pages 67-83, February.

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