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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.


The number of residential mortgages approved with a term of more than 40 years has jumped 20-fold in just one year, new data has shown. JC's Nick Morrey agreed that a potential future rise in interest rates could cause problems for borrowers with such long terms.


Homeowners could save £200 a month thanks to competitive rates and higher prices, says lender. JC's Nick Morrey at broker says remortgaging to a new lender is likely to be the cheapest option, since the likelihood of your existing lender offering you a product that is also the cheapest of all that are out there is slim.


As the current government and Labour have both announced plans to tackle the on-going leasehold issue in recent weeks, a Mortgage Strategy investigation, headed by Emma Lunn, has revealed the need for urgent reform. JC's Ray Boulger says lenders’ criteria are designed to be simple and help prevent future abuse by developers – but are often not fit for purpose.


Technology-focused broker Habito has entered the mortgage lending space, launching a range of mortgages aimed at individual buy-to-let landlords. JC's Ray Boulger said: “Although there’s a lot more to recommending a buy-to-let mortgage than rates, they do need to be competitive."


And finally - here are all the winners of the 2019 British Mortgage Awards from tonight's glittering event at the Park Plaza Westminster Bridge. Best Administrator - Katie Paterson, John Charcol.


The average price of a buy-to-let mortgage has dropped over the past three months in a further sign that demand was drying up. JC's Nick Morrey said: "The difference between buy-to-let and residential products is interesting as it highlights the risk difference between the two."


As mortgage lenders leave the market in droves, buy-to-let landlords have been warned to make sure they are not overly reliant on a single bank for financing their properties. While some of these departing lenders offered only residential loans, JC's Nick Morrey said it should be a warning signal for landlords who may have multiple buy-to-let mortgages with a single provider.


Brokers’ confidence in the specialist mortgage lending market is on the up, according to new research from Masthaven Bank. JC's Nick Morrey said he could understand why brokers had increasing confidence in the future of specialist lending as the mainstream market was driving for productivity.


A slowdown in the housing market may be deterring people from moving home. Is a house swap worth considering? JC's Ray Boulger says a house swap is no different to any other purchase.


John Charcol has relaunched its nationwide partner network, which aims to support the growth of self-employed brokers. Brokers who are interested in working under the John Charcol name will be able to choose from two packages that incorporate varying levels of marketing, compliance, technical, and administrate support.

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