Ray Boulger's Blog
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.
26/04/2013 by
More joined up policies from our politicians in respect of low deposit mortgages would be sensible, but unfortunately also wishful thinking. ...
Categories: Property market, Mortgages, Regulation
15/04/2013 by
In today’s Metro the Post Office, which is an Appointed Representative of Bank of Ireland (UK) Ltd, has a front and back page 4 page wrap around with a non compliant mortgage advert, which suggests a pretty slap dash approach to...
Categories: Bank of England, Mortgages, Regulation, Interest rates
08/04/2013 by
As far as the housing market is concerned, Right to Buy was Margaret Thatcher’s major specific legacy. This fuelled a substantial increase in the proportion of people who aspired to, and became, owner occupiers and that increase...
Categories: Property market, Mortgages, House and home, Miscellaneous, Remortgaging
26/02/2013 by
Negative interest rates will increase the pressure to lend and the mortgage market would be a major beneficiary of any such action. This increases the likelihood of genuine cuts in 2 year fixed rates (as opposed to lower rates...
Categories: Moving Home, Remortgaging, Mortgages, Bank of England, Property market
15/02/2013 by
This week’s Quarterly Inflation Report from the Bank of England added little in terms of inflation expectations to the statement issued by The Bank on Thursday last week. However, it did provide considerable meat on the bone and...
Categories: Property market, Bank of England, Mortgages, Personal finance, House and home, Interest rates, Commercial, Buy to let
07/02/2013 by
Tomorrow Chelsea B S is cutting its 1.99% 2 year fixed rate (end date 30/4/15) to 1.89%, but at the same time increasing the fee from £995 to £1,695; there will still be no freebies. This new, lower, rate will only be better value...
Categories: Mortgages, Interest rates
11/12/2012 by
The FSA has today published its latest mortgage lending quarterly lending figures, for the third quarter of this year. ...
Categories: Mortgages, Regulation, Interest rates, Remortgaging
17/10/2012 by
This article first appeared in Money Marketing, following Nationwide's decision to cease offering an interest only mortgage to new mortgage customers: ...
Categories: Mortgages, Regulation
30/09/2012 by
Net mortgage lending has collapsed by over 90% since 2007, down from £109bn to less than £10bn in each of the last two years. One of the casualties has been innovation, unless one classes criteria tightening as innovation. ...
Categories: Property market, Mortgages, Interest rates
The blog postings on this site solely reflect the personal views of the authors and do not neccessarily represent the views, positions, strategies or opinions of Charcol Limited. All comments are made in good faith, and neither Charcol Limited nor Ray Boulger will accept liability for them.