On the 24th April Ray answered questions from listeners on the first time buyer market on BBC Radio Money Box Live.  Click here to listen to the programme.

In today’s Metro the Post Office, which is an Appointed Representative of Bank of Ireland (UK) Ltd, has a front and back page 4 page wrap around with a non compliant mortgage advert, which suggests a pretty slap dash approach to...

So we had finally made the vital decision to kick start the search for our future home, the first home that we would actually own and I remember feeling unbelievably excited and eager to begin the hunt.

But what was it that we...

I have a property worth £180000 with a 49000 mortgage on it, I could clear the mortgage this August, I would like to let to buy and buy another property for £250000,I earn 39000. Would it be better to clear existing mortgage or use the 49000 as a deposit. Does this sound possible

Hi, I still live with my parents. My girlfriend and I wish to move out next year. My parents have kindly suggested that they will help us out. Can they release equity from their home to enable my girlfriend and I to use that equity as a deposit on a mortgage? Thank you.

As far as the housing market is concerned, Right to Buy was Margaret Thatcher’s major specific legacy. This fuelled a substantial increase in the proportion of people who aspired to, and became, owner occupiers and that increase...

I have recently had a house gifted by my parents. The house is worth around £190000. Can I remortgage this property?

I am married and own my own home. My husband is not on the mortgage and has never owned a property. We are interested in Buy to Let. Would he be a first time buyer? We do have a 20% deposit. What's the best way to make the most of this opportunity.