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Household-level Determinants of Missed Mortgage Payments

31 Dec 2014 RDP 2014-13
Matthew Read, Chris Stewart and Gianni La Cava
on their mortgage payments – and whether they miss a mortgage payment (Figure 4). ... All else equal, this could make these households more willing to miss a payment.
https://www.rba.gov.au/publications/rdp/2014/2014-13/household-level-determinants.html

Mortgage-related Financial Difficulties: Evidence from Australian Micro-level Data

25 Nov 2014 RDP 2014-13
Matthew Read, Chris Stewart and Gianni La Cava
Households that have previously missed a payment are also much more likely to miss subsequent payments than households with unblemished payment histories.
https://www.rba.gov.au/publications/rdp/2014/2014-13.html