This paper uses data from the German Socio-Economic Panel (G-SOEP) to investigate the extent to which mortgage commitments can amplify the insurance role of spousal labour supply in the context of married couples. First, the paper explains the underlying mechanism through augmenting the two-good consumption commitments model of Chetty and Szeidl (2007, May) with endogenous labour supply. The paper then seeks to overcome various modelling challenges associated with testing the model predictions, including unobserved individual heterogeneity and censoring, through applying various parametric and semi-parametric estimators. The regression results from the preferred specifications do not lend support to a significant effect of mortgage commitments on the hours worked by the secondary earner.