Mortgage Business Owning home key to financial wellness: YFW By Malavika Santhebennur 29 July 2021 A report has found that home ownership is the single most important factor affecting a person’s perceived level of financial wellness. The Your Financial Wellness (YFW) User Insights 2021 report has found a strong correlation between home ownership and perceived level of financial wellness, with an average score of 7.9 for those surveyed who own their home outright, the highest average score of any variables analysed in the report. On the other hand, the report – commissioned by YFW with support from Teachers Mutual Bank Limited (TMBL) – found that people renting a home returned a much lower financial wellness score than home owners (5.1).