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.

Simon Collins

Simon started his career in Estate Agency in 1983 and worked for a number of different companies around the Surrey, Hampshire, Berkshire area, before moving to Essex in 1994. In October 1994 he started at Bradford & Bingley, initially working on the counter, and over the next 10 years , moved up to Assistant Branch Manager, then Mortgage Adviser, and finally as a Mortgage Broker under the ‘MarketPlace’ brand.  At the start of 2004 Simon moved over to John Charcol and joined the Mortgage Technical Team, helping brokers place cases, sort problems, and expediting urgent applications. Simon’s  current role still involves helping our consultants place those tricky cases that don’t tick all the boxes, speeding up the application process, along with solving processing problems, but also now liaising with lenders to look at product development, processes and enhancing criteria.

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.



John Charcol is a trading name of John Charcol Limited and its Appointed Representatives. John Charcol Limited is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 665649. Registered in England No. 9157892. Registered office address for John Charcol Limited is 5th Floor, Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU. The FCA does not regulate some investment mortgage contracts. Calls may be recorded for training and monitoring.