Meet some of the experts behind the UK's leading independent mortgage brokerage. Between them they bring a wealth of mortgage and property market experience and insight.

Alistair Hargreaves

Alistair has been in the mortgage industry since 2004 and seen both the good times and the bad; and gained a wealth of experience along the way. He deals with a whole range of different scenarios, from family homes to commercial units, from ex pat buy-to-lets to first time buyers. Alistair’s main areas of interest are complex residential mortgages, both business and consumer buy to let mortgages, especially lending to clients in or near retirement, clients with non standard or challenging incomes and those with unusual properties.  He enjoys really getting to know his clients and their situation so he can find the right solution for their needs.

Tweets @AliH_JNCharcol

Ray Boulger

Ray Boulger is widely renowned as the guru of the mortgage industry and expert on the housing market. Ray is constantly called upon by the media to provide informed comment on all areas of the market, and is a regular on the BBC, Sky and ITV.

Last year, Ray was voted guru of the year at the Headlinemoney awards by all of the nation’s money and property journalists. As such, we thought it was high time that you had direct access to him. Ray’s blog will be updated most days so the knowledge just keeps on coming.