The Nationwide's deal was a "really consumer-friendly move" said Ray Boulger at mortgage broker John Charcol .

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Ray Boulger, of mortgage broker John Charcol, said that the policies could unclog some of the blockages in the housing market.

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And Ray Boulger, of mortgage brokers John Charcol, points to an even more fundamental trend - just not enough houses are being built.

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Standout pieces included a suede quilted lamb vest, a spruce-green fairisle shawl collar sweater and wool herringbone striped trousers (above) and a laser quilted bomber vest with charcol trousers (left).

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Ray Boulger, of mortgage brokers John Charcol, said he did not expect to see an increase in interest rates until next year and even then, expected them to "only rise slowly".

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Ray Boulger, at mortgage brokers John Charcol, estimated that in the past 10 years, at any one time only about 250, 000 UK residential mortgages would have had a home loan linked to the Libor rate, rather than the Bank of England's base rate.

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