Ray Boulger

John Charcol's technical lead and one of the UK's longest-standing mortgage commentators.

Ray Boulger is a mortgage broker based in London, United Kingdom, focused on uk mortgage market commentary · specialist technical. Services listed include mortgage broking, technical mortgage advice and market commentary. Recognised credentials: FCA Authorised, AMI (Association of Mortgage Intermediaries) Board Member and Bank of England Residential Property Forum Member. Delivered both in person and online.

mortgageadvisermedia-commentatortechnical-specialist

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§ About this provider

Services

Mortgage BrokingTechnical Mortgage AdviceMarket Commentary

Best for

Financial Independence · Want To Retire

§ How we know

Tier

Vetted

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Why this tier

John Charcol since 1989 · AMI Board member · Bank of England Residential Property Forum member · National TV commentator · FCA-authorised.

Accreditations & recognition

·FCA Authorised
·AMI (Association of Mortgage Intermediaries) Board Member
·Bank of England Residential Property Forum Member

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Last verified: 11 May 2026

§ Other locations of John Charcol

London · England
John Charcol

Listed

Confirmed real entity with valid contact details. No quality claim — we have not personally engaged or peer-checked them.

Reviewed

Has public peer recognition (e.g. Doyle’s Guide) or charity-register confirmation, with citations on the profile.

Vetted

Read and checked by our team — the vetting notes are on the profile, along with accreditations where they exist. This word sorts the list; we do not stand behind their work.