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.


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.


04/06/2018 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.


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...


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 ...


28/04/2017 by Ray Boulger

Nationwide Building Society’s press announcement, issued with their April House Price Index states that: “House prices show second consecutive monthly decline in April.” Much of the media comment that followed reflected this news, including the BBC’s who have run with the headline that: “House prices fell again in April, Nationwide says.” Of course by sourcing the Nationwide the journalist is factually correct - but as consumers, it’s important that we all look beyond the headline at the facts.


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...


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