: He has encouraged lenders to use the clarity provided by regulatory changes to relax criteria in areas like interest-only mortgages and affordability assessments. Current Status of Help to Buy
: Boulger argued that the coalition government used Help to Buy as a response to the impact of Basel II regulations on mortgage lending. Proposals for Reform ray boulger help to buy
: While closed in England, equity loans may still be available in Wales under different terms. David Ulldemolins – Written evidence (EHM0086) : He has encouraged lenders to use the
: He estimated that at one point, Help to Buy was directly linked to 40% of all home sales and nearly 70% on some building sites , making the scheme "massively important" for new-build development. David Ulldemolins – Written evidence (EHM0086) : He
While supportive of the scheme's goals, Boulger has proposed specific changes to improve its fairness and efficiency:
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
Boulger has frequently commented on how Help to Buy acted as a critical catalyst for the UK housing market:
