Working Papers

"Mortgage Search, and the Impact of Intermediation on Households' Financial Decisions", with Mateusz Mysliwski.

"Price Discrimination in the UK Mortgage Market", with Jamie Coen, and Anil Kashyap. New draft coming soon.

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

Rej&R, Journal of Economic Dynamics and Control.


"The Banks that Said No: The Impact of Credit Supply on the Productivity and Wages", with Jeremy Franklin, and Gregory Thwaites.

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

"The Determinants of UK Credit Union Failure", with Jamie Coen, and Bill Francis.

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

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

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.