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.


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.


18/01/2018 by Ray Boulger

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.


21/12/2017 by Ray Boulger

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...


11/12/2017 by Ray Boulger

The University’s 100 year bond issue also highlights an area of market failure in the fixed rate mortgage market. At a time when interest rates are still very close to all-time lows it should be possible for those mortgage borrowers who wish to do so to lock into a fixed rate for the term of their mortgage...


02/11/2017 by Ray Boulger

The Bank of England’s Monetary Policy Committee (MPC) today raised interest rates for the first time in more than a decade. The last increase in Bank Rate was in July 2007, just before global credit markets started to freeze up ahead of the full-blown global financial crisis – so what impact will the rate hike have on the UK housing and mortgage market?


15/09/2017 by Ray Boulger

The MPC minutes indicated an increase in Bank Rate is likely sooner than previously expected, with some economists now forecasting a 0.25% rise back up to 0.5% at the next MPC meeting in November.


29/08/2017 by Ray Boulger

Last week the July housing and mortgage statistics were announced by HMRC (looking at housing transactions), UK Finance (looking at gross mortgage lending) and Equifax Touchstone (looking at intermediated mortgage sales) and something doesn't add up...


04/08/2017 by Ray Boulger

It would have been a surprise if the Monetary Policy Committee (MPC) had announced an increase in Bank Rate yesterday but it’s decision to hold interest rates at 0.25pc was also the accompanied by and update of its forecasts for overall economic growth.


01/08/2017 by Ray Boulger

A good example of how different headlines can be accurate but nevertheless convey a hugely conflicting, and possibly misleading, message was apparent after publication of yesterday’s June mortgage approval figures from the Bank of...


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