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.

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12/03/2018

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

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.


21/12/2017

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...


28/09/2016

In the post Brexit world (or at least post the decision to Brexit, as the actual deed is still well over 2 years away) little has changed in the housing market 3 months after the referendum except that mortgages have got cheaper, although there are still plenty of uncertainties ahead.


08/12/2015

The following question received from a reader raises an interesting question which will be relevant to many others and so I thought publishing an answer on my blog would help others as well.


12/11/2014

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...


31/05/2012

John Charcol can’t claim to have been providing mortgage advice over the whole of the last 60 years but, having been formed in 1974, we believe that John Charcol is the longest established mortgage broker in the UK.

House Price...


25/09/2009

2 years ago few people had heard of Libor, the London Interbank Offered Rate, let alone knew what it was. Most people still won’t be able to define Libor but as a result of the credit crunch many people will at least be familiar...


17/04/2009

An interesting spat has developed between the website Zoopla and The Association of Home Information Pack Providers (AHIPP).

This follows the unhelpful and widely criticised change of law imposed on vendors by the Government from...


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