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.


21/07/2016 by Ray Boulger

The Yorkshire Building Society today launched a 10 year fixed rate at 2.89% for loan to values (LTV) up to 75%, which is the lowest 10 year fix available at 75% LTV. But what else should borrowers be aware of outside of the headline rate of any new mortgage deal?


25/11/2015 by Ray Boulger

Monthly costs for purchasers of a new build property using the new London Help To Buy scheme will be significantly less than rental costs of a comparable property, massively incentivising Londoners to find the 5% deposit and other...


08/07/2015 by Ray Boulger

I think it is pertinent to relate the budget measure on Buy to Let (BTL) tax relief to last week’s Financial Stability Report comments on BTL lending, from which it was clear the Bank of England is itching to have the powers to...


03/07/2015 by Ray Boulger

The Bank of England has announced today that as a result of sterling improving against the euro over the last 5 years the limit for the depositor protection scheme (FSCS) will be reduced from £85,000 to £75,000 from 1st January...


11/02/2015 by Ray Boulger

The February edition of Which? reviews financial products targeted at the over 50s. However, Which? demonstrates its ignorance of this part of the mortgage market in a article entitled “Overpriced for the over-50s”, which looks at...


08/01/2015 by Ray Boulger

Woolwich has today launched the cheapest ever 10 year (to 31/3/25) fix: 2.99%. It is available for LTVs up to 60%, has a fee of £999 and a maximum loan size of £1m. As well as purchases and remortgages it is also available for...


03/12/2014 by Ray Boulger

The stamp duty land tax changes announced by The Chancellor today are well overdue and the timing is clearly overtly political, which perhaps explains why it has taken George Osborne over 4 years to publicly admit that the slab system introduced by Gordon Brown was unfair.


12/11/2014 by Ray Boulger

When older borrowers approach the end of their mortgage term most lenders will grant an extension of 6 months or a year, if requested, but will charge their SVR rather than offer a good rate. This is actually very profitable for...


01/09/2014 by Ray Boulger

A classic example highlighting why one should treat “research” by providers (and not just in the financial services world) with caution was amply demonstrated by the two lead stories this morning on a financial web site, with...


05/06/2014 by Ray Boulger

Lenders often struggle to apply logic when trying to justify tightening criteria and I sympathise with the PR departments which have to defend such changes when even if they know the real reason they have to spin the party line. ...


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