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. 

02/08/2018 by Kath

The Bank of England has raised the interest rate for only the second time in a decade.

15/02/2018 by Katherine

It’s estimated that there are 1.67 million homeowners in the UK that are currently on an interest-only mortgage.


The Bank of England has reduced the base rate to 0.25%, the first cut in rates since 2009. What does it mean for borrowers?


A new year and a new fitness regime go hand in hand and while most of the fitness programmes will make your pocket lighter and your body fitter, our New Year's plan of action for a healthy mortgage should add some extra cash to your budget releasing those endorphins - but with less sweat!

16/09/2013 by Alistair

Another one of my colleagues has recently dealt with a far more unpleasant situation regarding a valuation going wrong. He was helping out a lady to buy a new buy to let flat in Stratford, East London. This client lives in the...

04/09/2013 by Drew

A house is only worth what someone will pay for it.  Seems fair right? So, if that’s the case, how can a property can vary in value by over £1m in the space of just three weeks? Step forward two different surveyors, with very...

24/05/2013 by Simon

The CML has claimed that remortgaging levels have remained subdued over the last year, with 2012 seeing the lowest number of remortgage cases since 1997.

However at John Charcol whilst remortgaging activity has slipped from it’s 2007 levels, it has remained steady around 40% since 2009, and we’d like to suggest a few reasons as to why this may be.

09/12/2011 by Drew

Guest Blog, Alistair Hargreaves, Mortgage Consultant.

Is everything really going wrong? Looking at the response to the budget, especially around housing and you would certainly think so. Don’t get me wrong; it’s tough out there...

25/11/2011 by Drew

Following reports in the press that First Time Buyers aren’t aware of the return of High LTV’s (Loan To Value), we thought it worth making a bit of a splash about this.

We’ve said it before, but it’s not just about whether a...

22/11/2011 by Drew

HSBC’s recent claim that “81% of all best buys are provided by direct lenders” seems to have missed out on the vital point of it’s only a “Best Buy” if you can actually get it. If you can’t it might as well be on the moon. “How do...

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