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Alla Koblyakova

Senior Lecturer

School of Architecture Design and the Built Environment

Staff Group(s)
Property Management and Development


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.


  • 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.


  • 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


Gubman, Y., Fleishman, L., Koblyakova, A. (2019) “Valuation Modelling within thin housing markets. Case Study : Arab housing market in Israel”, Journal of Housing Research. Forthcoming.

Naoi, M., Tiwari, P., Moriizumu, Y., Yukutake, N., Hutchison, N., Koblyakova, A., Rao, J.  (2019) “Household Mortgage Demand: A study of the UK, Australia and Japan”, International Journal of Housing Markets and Analysis, 12:1, 110-130.

Wang, J., Koblyakova, A., Tiwari, P., Crocher, J. (2018) “Is the Australian Housing Market in a Bubble?, International Journal of Housing Markets and Analysis, DOI 10.1108/IJHMA-03-2017-0026.

Koblyakova, A. and White, M. (2017) “Supply Driven Mortgage Choice”, Urban Studies, 54:5, 1194 - 1210.

Koblyakova, A., Hutchison, N. and Tiwari, P. (2014) “Regional Differences in Mortgage Demand and Mortgage Instrument Choice in the UK”, Regional Studies, 48:9, 1499-1513.

Press coverage

Raising House Prices and Help to Buy Scheme - BBC Today 21 November 2018

North vs. South house price WAR: London properties slump as the North soars, The Daily Express, 23 March 2018

Locals and UK residents to be given priority on buying London new-build homes worth up to £350,000, The Daily Mail, 5 February 2018

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


'Variable mortgages make UK market more volatile, study shows'


'New-build homes aren't the answer to rising house prices' : Academic claims property-building and over-borrowing keep market inflated


'Are you paying over the odds for your mortgage?'


'Securitisation can be good for borrowers'


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

'North-South Divide Shows Risks posed by Rate Rise'


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