Ray Boulger is widely renowned as the guru of the mortgage industry and expert on the housing market.  Ray is constantly called upon by the media to provide informed comment on all areas of the market, and is a regular on the BBC, Sky and ITV.

Last year, Ray was voted guru of the year at the Headlinemoney awards by all of the nation’s money and property journalists. As such, we thought it was high time that you had direct access to him. Ray’s blog will be updated most days so the knowledge just keeps on coming.


18/03/2016 by Ray Boulger

At the beginning of his speech the Chancellor said he is asking the Bank of England’s Financial Policy Committee (FPC) to be particularly vigilant in the light of current market turbulence. This message must increase the risk of...


08/03/2016 by Ray Boulger

Key figures economists will be waiting for from The Chancellor in his budget speech will be revised deficit forecasts for the rest of this Parliament. Whatever tax increases or decreases George Osborne announces are likely to pale...


12/02/2016 by Ray Boulger

Yesterday the UK 10 year benchmark gilt yield fell to an all time low of 1.3%, slightly below the previous lowest ever level touched early last year.


08/02/2016 by Ray Boulger

Ray Boulger has written John Charcol's response to the Treasury's consultation on proposed SDLT rates. Here's the response in full: 

We applaud the Government’s aim of promoting home ownership, which we agree provides an...


01/02/2016 by Ray Boulger

I note that when announcing its rates available in conjunction with the London Help to Buy Equity Share second charge mortgage scheme, which launches on Monday 1 February, Barclays says that “Our new market leading range of shared...


29/12/2015 by Ray Boulger

• Year end Bank Rate: 0.5%

• House prices: + 4.5%

• Housing transactions: 1.25m

• Gross mortgage lending: £232bn

• Net mortgage lending: £40bn

A multitude of factors influence both financial markets and house prices but...


08/12/2015 by Ray Boulger

The following question received from a reader raises an interesting question which will be relevant to many others and so I thought publishing an answer on my blog would help others as well.


08/12/2015 by Ray Boulger

Following the recent move by Woolwich to increase its rental cover requirement in response to the income tax changes announced in the summer budget, on Friday 11 December Godiva, a subsidiary of Coventry Building Society, will...


25/11/2015 by Ray Boulger

· Monthly costs for purchasers of a new build property using the new London Help To Buy scheme will be significantly less than rental costs of a comparable property, massively incentivising Londoners to find the 5% deposit and...


25/11/2015 by Ray Boulger

· Back to the Future: Giving 4 months notice of a substantial (150% for properties between £125,001 and £250,000) increase in Stamp Duty Land Tax brings back memories of the short term boom before bust in 1988 caused by The...



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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT. John Charcol is a trading name of John Charcol Limited and its Appointed Representatives. John Charcol Limited is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 665649. Registered in England No. 9157892. Registered office address for John Charcol Limited is 5th Floor, Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU. The FCA does not regulate some investment mortgage contracts. Calls may be recorded for training and monitoring.