Nicholas Morrey

Nicholas Morrey

Product Technical Manager

His Work for John Charcol

Nick Morrey is John Charcol’s product technical manager and the head of our specialist mortgage technical services team. He works with our entire team of advisers across all 3 locations, offering support on particularly complex cases and sharing his expertise.

Nick ensures that there is clarity and understanding between John Charcol and the lenders we use and that we evolve alongside them. If a client is declined, Nick liaises with the lender to find out why. He then works with them to improve their policies, criteria, products and approval processes, as well as John Charcol’s overall lender relationships.

Nick is a well-recognised and established figure within the mortgage industry. He is one of John Charcol’s primary spokespeople and is regularly asked to comment on a range of mortgage topics in the press. He also oversees and contributes to technical guides and blogs.


Graduating with a Mathematics and Management degree from Imperial College London in 1993, Nick has held various positions across the mortgage sector. He has built up a wealth of experience during his 25 years in the financial services industry.

Nick started his career with John Charcol back in 2002 and now acts as one of our resident experts.

Guides verified by Nick

Buying a house for the first time doesn’t need to be complicated. From the definition of a first-time buyer, through the steps to buying a property and the costs you’ll face - everything you need to know is in our guide.
Whether you’re a seasoned pro or this is the first time you’re selling your home, this guide will help you through the process.
Are you looking to buy your first home? Or perhaps want to move to a new area? Our step-by-step guide will tell you everything you need to know about buying a house.
Our guide explains everything you need to know about the different types of mortgages, including: interest rates, features, repayment methods and more.
Stamp Duty is a big part of buying a home. In this guide, we’ll explain Stamp Duty and help you understand how it works.
How much Stamp Duty do you pay on second homes? In this guide, we explain the rates, how to work out what you’ll pay and when you’re exempt from paying.
What don’t you know about the tax on rental income? Our guide gives landlords insight on how it’s applied, the rates you’ll pay and your allowances.
Applying for a mortgage couldn’t be simpler with our easy and simple guide from application to accepting your offer.
Support from the government-backed Help to Buy initiative is available for first-time buyers and existing homeowners who are finding it difficult to move up the housing ladder.
Remortgaging is when you change your lender and get a different deal altogether. In this guide we explain how it works, when it’s useful and the processes involved.
You can now get a buy-to-let mortgage at interest rates to suit almost any circumstances. Our guide takes you through the choices involved in more detail.
Our simple guide takes you through the current and future changes, explaining what you need to know and how the changes will affect you.
You can make a lot of money from becoming a landlord – if you make smart choices. Our guide explains how it all works and contains tips to help you be successful.
You can finance home improvements by seeking a further advance, remortgaging, taking out a second charge and more. Our guide explains what options you have and how they affect your mortgage.
In this guide we’ll outline the options, paths and solutions available to you, from remortgaging, to extending your mortgage and releasing the equity you’ve built up in your home.
In this guide, we’ll take you through everything you should be aware of and prepare yourself for when looking to arrange an expat mortgage or remortgage in the UK.
It's important to understand what protection you must have in place to buy a home and the options open to you to provide you with peace of mind. In this guide we'll look at three types of insurance and why you should consider making a will.
We explain everything you need to know about purchasing a buy-to-let through a limited company – the mortgages, the advantages and disadvantages and more.
Before you buy a property, you need to decide whether you want a freehold or leasehold. In this guide, we explain what they mean and how they affect your mortgage.
Saving a mortgage deposit for a house is definitely one of the biggest hurdles you face as a buyer. In our guide we explain how deposits work and ways you can save.
You pay Capital Gains Tax on the profit you make from the sale of a property that’s not your main residence. In our guide we answer all your questions about CGT.
There are a few common types of houses in the UK. This guide explains how they’re different, as well as how they can affect your mortgage and insurance needs.
The Right to Buy government scheme helps current council tenants and some previous council tenants buy their home at a discount. Find out if you’re eligible in our guide.
If you buy a property with someone as tenants in common, you each own a separate share. Find out how this works, how it’s different from joint tenants and more in this guide.
It’s vitally important that you understand your mortgage options during or following a divorce or separation from a partner. John Charcol’s guide provides the perfect starting point.
Are you looking to buy a second home and need advice on a second property mortgage? Perhaps you’re planning to buy a holiday home? Read our guide to find out more.
Did you know you can part buy, part rent a property through shared ownership? In this guide, we explain how shared ownership works so you can decide whether it would suit you.
With a guarantor mortgage, a relative guarantees to meet your mortgage payments if you can’t. We explain how this works and the benefits in our guide.
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