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Alla Koblyakova

Lecturer/Senior Lecturer

School of Architecture Design and the Built Environment

Staff Group(s)
Property Management and Development

Role

Dr Alla Koblyakova is the course leader for Property Finance and Investment in the School of Architecture, Design and the Built Environment at Nottingham Trent University. Alla designs and delivers modules for both undergraduate and postgraduate levels. She supervises dissertations and PhDs in Real Estate Economics and Real Estate Finance covering behavioural finance, capital asset pricing modelling, real estate investments, financial regulation, commercial and residential market areas. Alla also leads her own and collaborative research being specifically interested in housing, mortgage finance and liquidity pricing issues.

Career overview

Prior to joining NTU, Alla worked in the Business School at the University of Aberdeen. From her background in the real estate industry, she developed an interest in business, investment and financial management areas. As a consultant in finance and investment industry, she led the introduction of a new methodology for obligatory papers appraisal, applied by a number of major industry players from EACU members.

Qualifications
PhD In Real Estate
MBA in Business and Real Estate
MSc in Management and Finance
MSc in Civil Engineering
BSc in Economics

Research areas

Alla's research interests incorporate housing and mortgage finance issues, behavioural finance, financial economics, financial regulation and applied econometrics topics. As the leading author, she generated a number of unique research ideas and placed them in an empirical context. Her works assisted in a deeper understanding of housing and mortgage market operation issues by empirical investigation of the dynamic interactions between demand and supply side perspectives. Addressing stability and efficiency of the housing finance system questions, these works call for the action from government bodies and industry players and have related to the innovative econometric modelling techniques and unique data files. Currently Alla develops her previous research placing structural mortgage funding issues in housing affordability context. Additionally, Alla is currently engaged with an international collaborative research project exploring comparative features of Japanese, Australian and UK's housing and mortgage market issues.

Specialism
Housing/Mortgage  Market Economics
Regional Economics
Liquidity
Behavioural Finance
Financial Economics
Applied Econometrics

External activity

Alla reviews articles for highly reputable journals, including the Journal of Statistics, Urban Studies and the International Journal of Financial Studies. She is also the economic and financial advisor to the FL Finance Company. Alla is also an honoured research associate at the University of Aberdeen.

External PhD Supervision

Macquarie University, Australia

Publications

Koblyakova, A., Hutchison, N. and Tiwari, P., 2014. Regional differences in mortgage demand and mortgage instrument choice in the UK. Regional Studies, 48(9), pp.1499-1513

Koblyakova, A., White, M., 2016. Supply driven mortgage choice. Urban Studies, pp.1-17

Wang, J., Koblyakova, A., Tiwari, P. and Croucher, J., 2017. Is the Australian Housing Market in a Bubble? International Journal of Housing Markets and Analysis. DOI 10.1108/IJHMA-03-2017-0026.

Press coverage

07/09/17

East Midlands applicants most likely to be denied a mortgage

Research by Dr Alla Koblyakova shows borrowers in some regions are more likely to be denied a mortgage than others

Mortgage Introducer

07/09/17

Borrowers most likely to be denied a mortgage in the East Midlands

Research by Dr Alla Koblyakova shows borrowers in some regions are more likely to be denied a mortgage than others

What Mortgage

07/09/17

Certain regions more likely to be denied a mortgage

Research by Dr Alla Koblyakova shows borrowers in some regions are more likely to be denied a mortgage than others

Mortgage Finance Gazette

08/09/17

Borrowers in the East Midlands most likely to be denied a mortgage

Research by Dr Alla Koblyakova shows borrowers in some regions are more likely to be denied a mortgage than others

BBC East Midlands Today

08/09/17

Borrowers in the East Midlands most likely to be denied a mortgage

Research by Dr Alla Koblyakova shows borrowers in some regions are more likely to be denied a mortgage than others

BBC Radio Nottingham

11/09/17

Borrowers in the East Midlands most likely to be denied a mortgage

Research by Dr Alla Koblyakova shows borrowers in some regions are more likely to be denied a mortgage than others

BBC Radio Leicester

19/09/17

East Midlands homebuyers almost four times more likely to be denied a mortgage

Research by Dr Alla Koblyakova shows borrowers in some regions are more likely to be denied a mortgage than others

East Midlands Business Link

Area loan bias, The Sun, 7 September 2017

Regional disparities in mortgage lending in the UK, BBC Breakfast (East Midlands), 8 September 2017

'Variable mortgages make UK market more volatile, study shows', Mortgage Finance Gazette, 1 October 2016

'University study brands UK housing market "volatile" ', Mortgage Introducer, 9 September 2016

‘High-risk loan warning’ BBC News, 4 August 2016

'New-build homes aren't the answer to rising house prices' : Academic claims property-building and over-borrowing keep market inflated', The Daily Mail, 8 April 2016. This has also been published by thisismoney.co.uk, Mortgage Solutions,

What Mortgage  , Mortgage Introducer, Housing SpecificationBristol Post

'Are you paying over the odds for your mortgage? Greedy lenders raking in thousands of pounds with annual interest payments', The Daily Mail, 8 March 2016

'Are you paying over the odds for your mortgage? Greedy lenders raking in thousands of pounds with annual interest payments', This is Money, 8 March 2016

'Securitisation can be good for borrowers, study shows', Mortgage Finance Gazette, 15 February 2016

'Could Securitisation rebalance the UK mortgage market?', Financial Reporter, 17 February 2016

'Can securitisation rebalance the UK mortgage market', Property Reporter, 16 February 2016

'Securitisation can help lenders offset fixed rate risk -study', Mortgage Solutions, 16 February 2016

'Securitisation may help to ' rebalance mortgage market' ' Credit Today, 16 February 2016

'UK house prices soar 9.9% in a year', The Independent, 17 June 2014

'North-South Divide Shows Risks posed by Rate Rise', The Times, 9 April 2014

'North-South Divide in Mortgage Risk, says academic', BBC News, 8 April 2014

See all of Alla Koblyakova's publications...

Press expertise

  • Mortgage finance issues
  • Housing market issues
  • Financial regulation questions
  • Macroeconomic stability
  • Monetary policy changes
  • Efficiency of the banking system
  • Securitisation
  • Investment in Real Estate