Utilize the input text as a context reference, choose the right relationship between John Charcol and mortgage broker from the options. Options: product/material produced, manufacturer, distributed by, industry, position held, original broadcaster, owned by, founded by, distribution format, headquarters location, stock exchange, currency, parent organization, chief executive officer, director/manager, owner of, operator, member of, employer, chairperson, platform, subsidiary, legal form, publisher, developer, brand, business division, location of formation, creator.

But Ray Boulger of mortgage broker John Charcol said there was a way to do it yourself that could be of greater benefit to both parties.

Answer: industry