Author picture
Adiya Belgibayeva
Senior Economist, FCA
Adiya Belgibayeva is a Senior Economist in the research team at the Financial Conduct Authority. She works on understanding households and their financial circumstances and holds a PhD from Birkbeck College, University of London.
Coronavirus and intergenerational difference – the emerging...
Covid-19 has had profound impacts on all of us. Some of the effects are universal: we all know someone who is suffering from the health or economic impacts. Early data is beginning to reveal the...
What do mortgage holders who don’t switch have in common?
When an introductory mortgage rate expires the vast majority of borrowers remortgage, but a minority end up paying reversion interest rates. Who are these borrowers and how much could they benefit...
High loan to income mortgages - if the cap fits…
A cap on high loan to income mortgage lending was introduced to limit the risk of excessive household leverage, curb unsustainable credit growth and reduce risks of financial instability. But did...