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.

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18/01/2018

Santander has announced that it is cutting its revert to rate by 0.99% for all new mortgages from 23 January 2018, a decision that is said to have been made as a result of consumer research.


29/09/2016

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

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.


22/06/2016

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.


31/05/2012

John Charcol can’t claim to have been providing mortgage advice over the whole of the last 60 years but, having been formed in 1974, we believe that John Charcol is the longest established mortgage broker in the UK.

House Price...


25/09/2009

2 years ago few people had heard of Libor, the London Interbank Offered Rate, let alone knew what it was. Most people still won’t be able to define Libor but as a result of the credit crunch many people will at least be familiar...


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