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.
The FCA recently published proposals for changes to its mortgage sales requirements. The following were outlined in the May CP at 2.23.
“We are proposing to make the following changes as set out in this CP:
Ray Boulger analyses the positive and negative effects of the government's Help to Buy Equity Loan Scheme.
Ray Boulger, our senior mortgage technical manager recently featured in Mortgage Solutions for Marketwatch.
Gilt yields fell sharply yesterday and have extended the fall today.
Everyone wants to know how Brexit will impact the property market. Should you go ahead with your move, or wait until the dust settles? Ray Boulger gives his thoughts.
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.
Ray Boulger’s initial comments on the main property-related aspects of the October 2018 Budget.
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.
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.
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.
The blog postings on this site solely reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and neither Charcol Limited nor Ray Boulger will accept liability for them.