Our experts cut through the noise to tell you what you need to know

With over 40 years of experience behind us and some of the industry's most quoted experts in our ranks, there's not much we don't know about mortgages.

However, we know our industry is awash with jargon, so our experts aim to keep it simple. Through this blog, social media and our monthly newsletter, experienced mortgage advisers explain the nuances of the mortgage market, how economic factors influence the availability of mortgages and get to the meaning behind regulatory changes. 

18/02/2019 by Robyn

How will Brexit affect the property market? We asked our expert Ray Boulger common questions people have about what to expect. Here's what he said.

13/06/2018 by Cat

There are a lot of costs associated with moving house, from stamp duty, survey costs, estate agents fees etc… No wonder that some people decide moving is too stressful and expensive, and decide instead to extend their current home.

21/06/2017 by Nick Morrey

With average rates heading towards the end of their downward spiral and the overall number of products edging ever upwards, longer term fixed rates have never been so attractive.

25/04/2017 by Richard

What impact, if any will the General Election have on the UK housing market? Our expert Ray Boulger gives his analysis.

19/01/2017 by Richard

The Channel 4 show, Love it or List it, presented by Kirstie Allsopp and Phil Spencer has shown us that we don’t necessarily need to move to get a bigger, better house. And over the last few years, we’ve seen that more and more of our clients are looking to stay put and renovate and improve their homes.

28/07/2016 by Richard

If you're a homeowners paying a standard variable mortgage rate of 2.5% and above, with a decent credit score and 10%+ equity, then you should be looking at switching your mortgage and potentially save money over the course of your mortgage.


John Charcol’s Ray Boulger is one of the experts featured in ITV Tonight’s Brexit special this Thursday 28 July. More than a month on from the UK’s decision to leave the European Union the Tonight special looks at the UK’s housing market and asks how much is your house worth? Is post-Brexit Britain an opportunity for millions to finally own their own home? Or, should people brace themselves for a house price crash?

26/07/2016 by Richard

We look at a question from a Metro reader, who asks: 'I've been offered a mortgage by one lender, but a new and better deal has come out – can I apply?'

15/01/2015 by Alistair Hargreaves

2014 saw two key events at either end of the year that had a profound and lasting impact on the mortgage industry.


Ray Boulger is back with his September update on the state of the mortgage market.

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