Fig. 2

The mediated effects of financial well-being on the relationship between housing affordability and mental health. Panel (A) reports mediated effects of objective FWB (1 if the household was in arrears on hire purchase installments or other loan payments or utility bills; 0 otherwise) on the relationship between objective HA (1 if the household’s income spent on housing exceeds 30%; 0 otherwise) and mental health (higher values = better mental health). Panel (B) reports mediated effects of subjective FWB (1 if the household has the capacity to afford a one-week annual holiday away from home, to handle unexpected financial expenses, and to spend a small amount of money each week on yourself; 0 otherwise) on the relationship between objective HA and mental health. Panel (C) reports mediated effects of subjective FWB on the relationship between subjective HA (1 if ‘a heavy burden’ or ‘a slight burden’; 0 otherwise) and mental health. The blue dots represent mediated effects from the partial models, the red dots correspond to the expanded model.