Ray Boulger Help To Buy May 2026

Ray Boulger, a senior technical manager at mortgage broker , has been a prominent commentator on the UK's Help to Buy (HTB) schemes since their inception. His analysis generally highlights the scheme's role in stimulating the mortgage market, though he has also suggested structural improvements to make it more equitable. Analysis of Help to Buy Impact

: The scheme closed to new applications on October 31, 2022 , and officially ended on March 31, 2023 . ray boulger help to buy

: In 2018, he suggested the government should reduce the second charge (equity loan) from 20% to 10% outside London, and from 40% to approximately 25% within London, citing improved availability of high LTV mortgages. Ray Boulger, a senior technical manager at mortgage

While supportive of the scheme's goals, Boulger has proposed specific changes to improve its fairness and efficiency: : In 2018, he suggested the government should