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John Charcol regularly contributes to all forms of media and our lead spokesperson, Ray Boulger, is widely regarded as the guru of the mortgage market.  Ray is a regular on BBC Television, BBC Radio, ITV and Sky News.  As well as broadcast media, he is a regular in the Financial Times, Sunday Times, Sunday Telegraph and other leading newspapers.

Find out more about Ray Boulger

Here is a selection of the latest developments at John Charcol.

17/07/2018 by Property Funds World

Specialist property lender Octopus Property is to provide family office-owned Edinburgh Marina with a GBP10 million commercial bridging loan which will be used for the acquisition of six freehold plots that form part of the Granton Harbour Estate and will form the heart of the new Edinburgh Marina development.

16/07/2018 by Mortgage Strategy

There has been a flurry of affordability changes in recent weeks as lenders begin to step up competition on criteria. JC's Ray Boulger says: “I see that there is scope for a lot more change in criteria, particularly regarding later-life lending, which is still being dominated by smaller players.”

10/07/2018 by This is Money

While five-year fixes have been rising in popularity recently, partly in response to Brexit uncertainty and potential rate rises, some lenders are offering 10-year fixes at historically low rates. 'The rates themselves are a disadvantage,' JC's Nick Morrey said. 'Halifax have launched the remortgage product from 2.69 per cent with a £999 fee. Barclays, Coventry, TSB and HSBC have a 10-year fixed at 2.49 per cent, with TSB and Barclays both carrying a £999 fee and HSBC with no fee, both with free valuation and free legal fees.

10/07/2018 by Sunday Times

Buy-to-let landlords face more upheaval under a government plan to introduce mandatory minimum three-year tenancies, which could make it harder for them to finance their purchases. "We haven't got to the stage where [longer tenancies] are becoming the norm," said JC's Ray Boulger.

03/07/2018 by Mortgage Introducer

Criteria Hub, the ‘deep search’ criteria engine, has signed an agreement with national mortgage brokerage, John Charcol, to provide its DA and AR advisers with access to its platform. JC's Ray Boulger said: “Up to now our technical team has maintained a spread sheet for our advisers, showing key criteria details of different lenders. However, Criteria Hub takes the provision of this type of detailed criteria information to a whole new level."

03/07/2018 by Mail Online

Although early redemption penalties are rare with standard variable rate loans, you must find out if they are levied by your existing lender before you go down the remortgage path. These charges are a deterrent to remortgaging. JC's Ray Boulger says: ‘It is unlikely to be worth paying such a charge to switch to a new deal but if in doubt speak to an independent mortgage broker who can advise.’

02/07/2018 by Sunday Express

Mortgage lenders and borrowers are being forced to take greater risks as property transactions slump because buyers cannot afford sky-high prices. The Bank of England recently warned lenders against taking greater risks but JC's Nick Morrey said they continue to ease criteria: “As borrowing slows, many could struggle to hit lending targets, which will show up in their results.”

28/06/2018 by Mortgage Introducer

A third runway at Heathrow would benefit the economy greatly but the government needs to make sure it compensates those affected by it, brokers argued. JC's Ray Boulger thought that although its been approved, its likely to be some time before the work actually starts and in the meantime people nearby need compensation.

28/06/2018 by FT Adviser

Last week Virgin agreed a takeover from Clydesdale and Yorkshire Bank, in a deal that creates the sixth largest bank in the UK. JC's Ray Boulger said: “It will reduce consumer choice. The larger bank will be stronger, it will reduce competition. I think mergers like this are always a concern."

27/06/2018 by Specialist Finance Introducer

Vida Homeloans has launched a ‘helping hand’ product to assist parents in getting their children onto the housing ladder without being on the title deeds and jointly owning the property. JC's Ray Boulger said "It is great news to see Vida joining the select club of lenders adding this option to its criteria, thus providing more choice for brokers and their clients."

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