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.

02/01/2019 by Ray Boulger

The S Times has a story which says that The Treasury has “admitted” spending £5.5m to get rid of the old round £1 coins, although it is not clear whether this is a gross figure or net of the proceeds from their sale as scrap.

31/10/2018 by Ray Boulger

Ray Boulger’s initial comments on the main property-related aspects of the October 2018 Budget.

19/10/2018 by Ray Boulger

Many suggestions on how to make it easier for renters to become homeowners don’t go much beyond “build more homes”, but 3 weeks before the budget Conservative think tank Onward has outlined the bones of a new and interesting concept, but one which needs further input to flesh it out.

10/10/2018 by Ray Boulger

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 by Ray Boulger

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.

04/07/2018 by Ray Boulger

Ray Boulger’s predictions and recommendations for the fixed rate mortgage market.

04/06/2018 by Ray Boulger

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 by Ray Boulger

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.

12/03/2018 by Ray Boulger

As The Chancellor has stated that from now on The Autumn Statement will include the main annual budget announcements, it is unlikely The Spring Statement will provide much in the way of tax changes or policy statements.

06/02/2018 by Ray Boulger

Sharp movements in the markets tend to unnerve consumers, which begs the question of what the likely impact will be on mortgage rates. The answer is simple, there is no need to panic.

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