Having high debt-maintenance burdens and lower exchangeability buffers, FHBs will be more vulnerable to help you a bad income amaze when you look at the the first several years of their funds than other consumers. Yet not, FHBs was indeed no longer probably experience an awful earnings surprise than many other indebted houses on mortgage life. Particularly, the newest HILDA Questionnaire indicates these include no longer planning report losing their job. FHBs was unlikely than many other manager-occupiers so you’re able to report earnings which is over 20 per cent underneath the earnings they obtained in the last 12 months. So it selecting is actually consistent across the a variety of indications of income losings, though the difference between FHBs or other owner-occupiers loses analytical relevance shortly after handling private qualities.