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.


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.


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...


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...


21/07/2017 by Ray Boulger

HMRC has today published statistics for June’s property transactions and so we now have totals for the first half of 2017.

Figures for the second quarter of each of the last 3 years are as follows:

2015: 299,540

2016: 258,690 ...


13/07/2017 by Ray Boulger

The Bank of England today published the results of its Q2 Quarterly Credit Conditions Survey, which was conducted between 22 May and 9 June. Commenting on the supply of secured credit the report states:

“The availability of...


30/03/2017 by Ray Boulger

Nearly all the headlines, both in the consumer and trade press, in relation to the February mortgage approval numbers announced yesterday by the Bank of England, included the word fall, dip or down, with many going as far as to...


30/12/2016 by Ray Boulger

Whatever the next year brings one thing that is guaranteed is the fact that the UK housing market will remain a hot topic in 2017. With more talk around the lack of homes being built, Brexit fears or the government increasing grabbing the buy to let market by the horns, one thing that you can always expect is the housing market's ability to throw up surprises and show resilience in ways you'd never expect.


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