Publications and Working Papers

"Value of Information, Search, and Competition in the UK Mortgage Market",   with Mateusz Mysliwski (Norwegian School of Economics).

Bank of England Staff Working Paper, No. 967, 25 March 2022.

"Price Discrimination and Mortgage Choice",  with Jamie Coen (Imperial), and Anil Kashyap (Chicago Booth).

Bank of England Staff Working Paper, No. 926, 25 June 2021.

"The Banks that Said No: The Impact of Credit Supply on the Productivity and Wages",  with Jeremy Franklin (Bank of England), and Gregory Thwaites (Nottingham)

Journal of Financial Services Research, 2019, Vol 57, pp 149–179.

"The Determinants of UK Credit Union Failure",  with Jamie Coen (Imperial), and Bill Francis (Bank of England)

International Journal of Central Banking, 2019, Vol 60, pp 207-240.

Book Chapters

"The Role of Debt in the UK Household Spending Decisions",  with Philip Bunn (Bank of England).

Book Chapter, "The UK Economy in the Long Expansion and its Aftermath",  2016, Edited by: Jagjit S. Chadha, Alec Crystal, Joe Pearlman, Peter Smith, Stephen Wright Ed., Cambridge University Press.


"Consumption Response to Aggregate Shocks and the Role of Leverage",  with Agnes Kovacs, and Philip Bunn. 

Centre for Macroeconomics, Discussion Paper , No. 2018-20.