Mortgages - or home loans - are commonly taken out in countries with high homeownership rates. In some parts of the world, the majority of people own their homes outright, but in the US, parts of western Europe and the UK, most buyers require a mortgage to get on the property ladder.

Home loans are sensitive to interest rates, which have been falling in many major economies. We hear how that’s changing mortgage lengths and styles in different jurisdictions.

We hear how the Dutch mortgage is becoming popular elsewhere, and what we can learn from each country’s approach.

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Presented and produced by Rick Kelsey

(Picture: Happy woman and man sitting on the floor with coffee cups, next to boxes and cats, in their new home. Credit: Getty Images)