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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.


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.


John Charcol is looking to double the number of advisers within its network over the next couple of years. The broker firm announced today (June 20) that is has relaunched its network for self-employed brokers, through which they trade under the John Charcol brand.


Mortgage brokers could see a decline in the number of clients needing advice as more and more consumers opt for long-term deals. JC's Ray Boulger said: "One of the challenges for brokers in the next few years, now five-year fixes have taken over two-year fixes, is there is going to be less remortgage and product transfer business."


There has been a 13 per cent drop in the number of interest-only mortgages held by borrowers in 2018 compared with the previous year, according to latest data. JC's Nick Morrey said: "The industry has moved in the right direction to make sure that we don’t have people getting to retirement with outstanding balances on their interest-only mortgages."

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