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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10/10/2018

Reports suggest that the Government has recognised that the idea floated earlier this year of mandatory 3 year tenancies is not sensible but that providing a carrot for landlords to offer 3 year tenancies would be.


14/08/2018

Any proposals which offer a realistic way to increase the opportunity for more people to own their own home has to be good news but one also has to recognise home ownership involves a financial commitment which is not appropriate for everyone.


04/06/2018

Two months after the FCA announced a relaxation in its previously unduly zealous rules on interest only mortgages for older borrowers, two lenders are now offering the new style Retirement Interest Only Mortgages and a third lender has announced it will launch on 11 June.


01/05/2018

Figures issued by the DWP on the continued take up of Support for Mortgage Interest Benefit (SMI) following the payments being changed from a free benefit to a loan from 6 April were released on 24 April.


21/12/2017

Despite a partial recovery from the 859,000 housing transactions recorded in 2009, current transaction levels remain a long way adrift of the 1.6m plus seen in 2006 and 2007 and have been broadly flat since 2014. 2018 starts with prices fairly flat and housing market activity muted. There is nothing on the horizon to suggest those trends will change in 2018...


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.


08/12/2015

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.


12/11/2014

When older borrowers approach the end of their mortgage term most lenders will grant an extension of 6 months or a year, if requested, but will charge their SVR rather than offer a good rate. This is actually very profitable for...


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...


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