34 Photos of Richard Branson That Will Make You Go Hmm

We aren't surprised Richard Branson introduced <a href="http://www.scotsman.com/lifestyle/fashion/female-virgin-trains-uniforms-... see-through tops</a> for the female staff at Virgin Trains. We thought a little photo-essay might

 

Richard Branson likes to pose.

 

At first, we thought the best way to demonstrate that is with pictures of the man himself. After all, there's no shortage:

 

1969: File picture of British businessman Richard Branson. AFP/Getty Images

22 June 1984: British entrepreneur Richard Branson inaugurates his new airline Virgin Atlantic Airways. Terry Disney/Express/Getty Images

29 September 2009: Richard Branson poses at the opening of the Virgin Mobile Metro Theatre. Brendon Thorne/Getty Images

8 April 2013: Sir Richard Branson arrives at Edinburgh Airport and lifts his Harris Tweed Kilt. Jeff J Mitchell/Getty Images

 

Then we thought that a better way might be to show the Branson's prediliction for getting close to beautiful women:

 

8 December 2004: Businessman Richard Branson gestures as he arrives to launch his new Virgin Atlantic airline. Patrick Riviere/Getty Images

24 February 2009: Sir Richard Branson poses in the pool. Gaye Gerard/Getty Images

26 October 2009: Sir Richard Branson and actress Marisa Tomei attend 'Rock The Kasbah' hosted by Sir Richard Branson and Eve Branson. Michael Caulfield/Getty Images for Virgin Unite

26 October 2009: Sir Richard Branson, Tiffany Persons and actress Marisa Tomei attend 'Rock The Kasbah' hosted by Sir Richard Branson and Eve Branson. Michael Caulfield/Getty Images for Virgin Unite

17 April 2011: Sir Richard Branson and his daughter Holly Branson, dressed as a cheerleaders, take part in a record-breaking cheer at Canary Wharf. Oli Scarff/Getty Images

11 February 2012: TV Personality Kim Kardashian, Honoree Sir Richard Branson and Singer Britney Spears attend Clive Davis and the Recording Academy's 2012 Pre-GRAMMY Gala. Larry Busacca/Getty Images For The Recording Academy

11 February 2012: Sir Richard Branson and singer Natalie Imbruglia attend Clive Davis and the Recording Academy's 2012 Pre-GRAMMY Gala. Larry Busacca/Getty Images For The Recording Academy

13 March 2012: Sir Richard Branson launches the day of activity at Liverpool Lime Street Station. Tony Woolliscroft/Getty Images

4 April 2012: Sir Richard Branson (L) and actress Amber Rose attend the Launch of Virgin America's First Flight from Los Angeles to Philadelphia. Michael Buckner/Getty Images

4 April 2012: Sir Richard Branson attends the Launch of Virgin America's First Flight from Los Angeles to Philadelphia. Michael Buckner/Getty Images

22 April 2013: Virgin Group Founder Sir Richard Branson poses for a photo after being presented a sequined captain's jacket by Las Vegas showgirls. Bob Riha, Jr./Virgin America via Getty Images

 

Sometimes, perhaps too close to beautiful women:

 

4 November 2002: Virgin Mobile's Richard Branson and some beautiful Sydney models. Patrick Riviere/Getty Images

19 March 2010: Sir Richard Branson interacts with guests during the 'Branson By The Pool' function. Paul Kane/Getty Images

 

Sometimes dangerously close:

 

15 October 2003: Sir Richard Branson, chairman of the Virgin Group, attends the launch of his latest U.S. company 'Virgin Pulse'. Mark Mainz/Getty Images

Once, the woman was wooden:

 

26 October 1984: English businessman Richard Branson at the Princess Victoria pub, London. Daily Express/Hulton Archive/Getty Images

 

Also I'm not sure those windows are supposed to open:

 

22 April 2013: Sir Richard Branson - and a Las Vegas showgirl friend - emerge from the flight deck window of Virgin America's just landed inaugural flight from Los Angeles to Las Vegas. Bob Riha, Jr./Virgin America via Getty Images

 

But then we discovered the motherlode.

 

It turns out, if you're a woman who stands near Richard Branson, he will pick you up.

 

14 June 2004: Virgin entrepreneur Richard Branson celebrates on French soil after a record-breaking crossing of the English Channel. Carl De Souza/Getty Images

9 December 2004: Businessman Sir Richard Branson plays in the surf on Bondi Beach with a model. Patrick Riviere/Getty Images

9 December 2004: Model Bessie Bardot with Businessman Sir Richard Branson attend a private party. Patrick Riviere/Getty Images

31 March 2005: British business tycoon Sir Richard Branson (C) of Virgin Atlantic Airways lifts Indian model Jeniffer Mayani after the airline's inaugural flight touched down at the International Airport in Bombay. SEBASTIAN D'SOUZA/AFP/Getty Images

4 December 2005: Richard Branson, chairman and founder of the Virgin Group of companies, holds Wang Jingqian, who won a pair of upper class round trip tickets from Shanghai to London. China Photos/Getty Images

28 March 2006: Sir Richard Branson poses with a belly dancer at the Bab-el-Shams hotel resort. Chris Jackson/Getty Images

29 March 2006: British Entrepreneur and businessman Sir Richard Branson poses with Miss England Hammasa Kohistani during a photocall on a stretch of sand on the man-made island known as 'United Kingdom' in the new development, The World, in Dubai. Chris Jackson/Getty Images

23 February 2009: A woman gestures after being lifted by Sir Richard Branson during the official launch of the new Virgin Active. Scott Barbour/Getty Images

22 June 2009: Virgin Atlantic boss Richard Branson poses with model Kate Moss on a wing of a jumbo jet at Heathrow Airport. Gareth Cattermole/Getty Images

15 June 2010: Founder and President of Virgin Group Sir Richard Branson holds burlesque artist Dita Von Teese as they appear on the wing of a Virgin Atlantic Airways 747-400 aircraft at McCarran International Airport. Ethan Miller/Getty Images

12 September 2010: John Borghetti CEO, Delta Goodrem and Sir Richard Branson celebrate Virgin Blue's 10th Anniversary in Australia. Robert Prezioso/Getty Images

3 July 2012: Zoe Hardman, Sir Richard Branson, Lydia Bright and Michelle Heaton attend a photocall to reveal Richard Branson's celebrity team taking part in this year's Virgin Active London Triathlon. Stuart Wilson/Getty Images

22 April 2013: Virgin Group Founder Sir Richard Branson lifts a Virgin America teammate on the red carpet. Bob Riha, Jr./Virgin America via Getty Images

 

Eventually, though, some women got their own back:

 

17 April 2011: Sir Richard Branson and his daughter Holly Branson (2nd L), dressed as a cheerleaders, take part in a record-breaking cheer at Canary Wharf. Oli Scarff/Getty Images

 

And one just wasn't taking it any more:

 

26 September 2002: Chairman of the Virgin Group, Sir Richard Branson, poses with model Maddy Ford at the launch of Virgin.net Broadband service. John Li/Getty Images

Alex Hern is a technology reporter for the Guardian. He was formerly staff writer at the New Statesman. You should follow Alex on Twitter.

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I was wrong about Help to Buy - but I'm still glad it's gone

As a mortgage journalist in 2013, I was deeply sceptical of the guarantee scheme. 

If you just read the headlines about Help to Buy, you could be under the impression that Theresa May has just axed an important scheme for first-time buyers. If you're on the left, you might conclude that she is on a mission to make life worse for ordinary working people. If you just enjoy blue-on-blue action, it's a swipe at the Chancellor she sacked, George Osborne.

Except it's none of those things. Help to Buy mortgage guarantee scheme is a policy that actually worked pretty well - despite the concerns of financial journalists including me - and has served its purpose.

When Osborne first announced Help to Buy in 2013, it was controversial. Mortgage journalists, such as I was at the time, were still mopping up news from the financial crisis. We were still writing up reports about the toxic loan books that had brought the banks crashing down. The idea of the Government promising to bail out mortgage borrowers seemed the height of recklessness.

But the Government always intended Help to Buy mortgage guarantee to act as a stimulus, not a long-term solution. From the beginning, it had an end date - 31 December 2016. The idea was to encourage big banks to start lending again.

So far, the record of Help to Buy has been pretty good. A first-time buyer in 2013 with a 5 per cent deposit had 56 mortgage products to choose from - not much when you consider some of those products would have been ridiculously expensive or would come with many strings attached. By 2016, according to Moneyfacts, first-time buyers had 271 products to choose from, nearly a five-fold increase

Over the same period, financial regulators have introduced much tougher mortgage affordability rules. First-time buyers can be expected to be interrogated about their income, their little luxuries and how they would cope if interest rates rose (contrary to our expectations in 2013, the Bank of England base rate has actually fallen). 

A criticism that still rings true, however, is that the mortgage guarantee scheme only helps boost demand for properties, while doing nothing about the lack of housing supply. Unlike its sister scheme, the Help to Buy equity loan scheme, there is no incentive for property companies to build more homes. According to FullFact, there were just 112,000 homes being built in England and Wales in 2010. By 2015, that had increased, but only to a mere 149,000.

This lack of supply helps to prop up house prices - one of the factors making it so difficult to get on the housing ladder in the first place. In July, the average house price in England was £233,000. This means a first-time buyer with a 5 per cent deposit of £11,650 would still need to be earning nearly £50,000 to meet most mortgage affordability criteria. In other words, the Help to Buy mortgage guarantee is targeted squarely at the middle class.

The Government plans to maintain the Help to Buy equity loan scheme, which is restricted to new builds, and the Help to Buy ISA, which rewards savers at a time of low interest rates. As for Help to Buy mortgage guarantee, the scheme may be dead, but so long as high street banks are offering 95 per cent mortgages, its effects are still with us.