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Texas State University Mortgage Stress Research Paper

 

Case Overview

You are an analyst for FixIt! Institute, an Australian public policy think tank, providing independent, rigorous and practical solutions to Australia’s most pressing problems.

FixIt! is independent, taking the perspective of the Australian public interest rather than any interest group. It receives no ongoing government funding and rejects commissioned work to ensure this independence. Established in 2021, the Sydney-based institute is non-aligned. It is funded by an independent endowment and donations. FixIt! is rigorous in obtaining the best available evidence from its own data analysis and from published work. And it is practical in articulating what governments should do to improve the lives of all Australians.

FixIt! Institute currently focuses on two key policy areas: housing affordability and financial wellbeing. These areas were chosen with the belief that research into these areas, in line with principles of evidence-based policy, could make a demonstrable difference to Australia’s public policy.

As more people grow desperate to get into the rising property market and take on bigger mortgages, mortgage stress is becoming a growing problem (e.g. Mortgage stress: More than130,000 households in NSW and Victoria on the brink of crisis, CHOICE warns). FixIt! Institute recently started a new project to investigate the mortgage stress issue in Sydney. It aims to produce a report to inform the government on how they should respond to this growing issue (i.e. providing policy recommendations on what the government needs to do to address the mortgage stress problem).

As a member of the Mortgage Stress Project Team, the overarching issue you need to address is to: (1) determine the extent of the problem of mortgage stress in Sydney (Assessment 2a and 2b), and (2) make recommendations on how the government needs to intervene (Assessment 2b). 

Assessment 2a Guide and Marking Rubrics – here 

Assessment 2b Guide and Marking Rubrics – coming soon

Note: An industry research project and resulting Business Reports such as these typically run for multiple months, with large research teams. The purpose of this Case is to provide you with a realistic task you would see as a graduate, plus importantly give you awareness of and experience with applying the problem-solving tools to such tasks. This assessment (Assessment 2a and 2b) is worth 65% of your final grade, so it requires regular weekly study time to advance the research and analysis needed to write the succinct report. Yet, this Case is not expected to be industry standard. Please use the guidance within the brief below to put boundaries on the breadth and depth of your report (e.g., word length, number of tools and references). There is a delicate balance between breadth and depth of analysis in business reports. If you have questions, please post questions on the Moodle Discussion Forum and/or discuss with the teaching team.