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.


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...


29/09/2016 by Ray Boulger

Following its consultation exercise the PRA has today announced its final rules for BTL mortgages, with few changes from the draft proposals announced 6 months ago.


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...


31/05/2012 by Ray Boulger

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 by Ray Boulger

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...


19/09/2008 by Ray Boulger

GE Money’s 2 mortgage brands, First National and igroup, sent us emails yesterday evening saying that they were going to put two fingers up at the FSA’s mandatory Treating Customers Fairly (TCF) policy. They didn’t of course put...


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