There are, however, some households that are more vulnerable, probably those with lower income who cannot afford prepayments or those with relatively new mortgages who have yet to make many inroads. Another way of measuring financial stress is by asking survey respondents to self-assess.
For example, a survey might ask about the respondent's ability to meet payments, the type of financial stress they have experienced, or whether they have had difficulty raising money in an emergency. The HILDA survey also provides some information on this.