Ray Boulger

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.


22/11/2016 by Ray Boulger

Today’s October Housing Transaction figures from HMRC provide further evidence of the how manipulating (or to use the technical term “seasonally adjusting”) the actual figures can result in misleading impressions being promoted,...


17/11/2016 by Ray Boulger

There are good reasons to expect a 'housing heavy' Autumn Statement, based partly on comments from our new Prime Minister, but also because it provides an ideal opportunity for the new Housing Minister and Chancellor to put their stamp on some new and revised policies.


11/11/2016 by Ray Boulger

In the last year a raft of political (fiscal) and regulatory changes have had a significant impact on Buy to Let (BTL) investors and negatively impacted the BTL market. These changes have been made to dampen the buy to let market, and allow more first time buyers and families to get on the ladder – but what impact will they have on those who can’t afford to buy?


29/09/2016 by Ray Boulger

Following its consultation exercise the PRA has today announced its final rules for BTL mortgages, with few changes from the draft proposals announced 6 months ago.


28/09/2016 by Ray Boulger

In the post Brexit world (or at least post the decision to Brexit, as the actual deed is still well over 2 years away) little has changed in the housing market 3 months after the referendum except that mortgages have got cheaper, although there are still plenty of uncertainties ahead.


05/08/2016 by Ray Boulger

This week’s 0.25% Bank Rate cut was so widely expected, following the Monetary Policy Committee’s (MPC) strong steer in its July minutes, it had already been taken into account by the market. Therefore The Bank had to do something exceptional to aim the market further in the direction it wants it to go.


21/07/2016 by Ray Boulger

The Yorkshire Building Society today launched a 10 year fixed rate at 2.89% for loan to values (LTV) up to 75%, which is the lowest 10 year fix available at 75% LTV. But what else should borrowers be aware of outside of the headline rate of any new mortgage deal?


14/07/2016 by Ray Boulger

My take from today's no change in Bank Rate announcement from the MPC, despite widespread expectation of a cut, is that, based on comments in the accompanying statement, a decision on what action to take, if any, has been put of...


22/06/2016 by Ray Boulger

Whatever the result of the referendum it will have huge political implications for the rest of the European Union as well as the United Kingdom. Clearly these will be greater if we vote Leave but the debate in the UK has been devoid of consideration of the wider implications for the EU, although it has provoked considerable debate in some of these countries.


14/06/2016 by Ray Boulger

John Charcol is one of a small number of mortgage brokers piloting a ground breaking new mortgage from the Hodge Lifetime – the 55+ mortgage.



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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.