Ray Boulger's Blog

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.


12/09/2011 by Ray Boulger

There is naturally a major focus in the media today on the Vickers Report but it is important to recognise that the proposals, which the Chancellor has already accepted, don’t have to be fully implemented until 2019, the same...

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Categories: Mortgages, Personal finance, Regulation

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05/09/2011 by Ray Boulger

With new evidence of problems in global economy emerging almost every day now from somewhere in the world (figures from the UK service sector today were much worse than expected by economists, many of whom seem to be pretty...

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Categories: Bank of England, Mortgages, Regulation, Interest rates

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14/04/2011 by Ray Boulger

Yesterday in the US a Republican Senator, Tom Coburn, who co-authored a new US Senate panel report on the banking crisis, said, “Blame for this mess lies everywhere – from the Federal regulators who cast a blind eye, Wall Street...

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03/03/2011 by Ray Boulger

If Gordon Brown had not reneged on an Election Pledge to have a referendum before passing new powers to the EU the ECJ’s mad ruling could have been prevented

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Categories: Property market, Mortgages, Regulation

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18/01/2011 by Ray Boulger

Today’s inflation figure of CPI 3.7% year on year will provide plenty of copy for the news media but the market’s reaction hardly justifies the Evening Standard headline of “Soaring interest rate on the way.” ...

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Categories: Bank of England, Mortgages, Interest rates

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19/12/2010 by Ray Boulger

In an interview in The Sunday Telegraph today Lloyds Banking Group's current Chief Executive, Eric Daniels, promised to bring greater transparency to his bank's financial products in the last 3 months of his tenure. ...

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Categories: Mortgages, Regulation

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07/12/2010 by Ray Boulger

In his book Gordon Brown claims he was misled by Sir Fred Goodwin about the extent of reckless lending at the Royal Bank of Scotland. ...

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Categories: Regulation, Miscellaneous

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23/11/2010 by Ray Boulger

Today’s joint press release from Shelter and the CAB entitledReckless lending must be stamped out now,” which refers to their joint letter to Housing Minister, Grant Shapps, in response to the FSA’s Responsible Lending...

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Categories: Property market, Mortgages, Regulation, House and home

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10/11/2010 by Ray Boulger

Halifax has released a survey today which highlights the fact that a high proportion of potential homeowners have little or no knowledge of shared ownership and in particular only 24% of Brits would consider buying a home through...

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Categories: Property market, Mortgages, Regulation

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Terms & conditions

Your initial mortgage consultation is obligation free. There will be a minimum fee for our mortgage service of £450, of which £150 is payable when you apply, and we will retain the commission from the mortgage lender. Alternatively, you can choose the fee only option which is typically 0.65% of the amount borrowed. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

Legals

John Charcol is a trading style of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Services Authority; our registration number is 147692. John Charcol Associates LLP is an appointed representative of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Services Authority.  Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Registered in England No: 02292688.  This mortgage site is only directed at persons within the UK.   The FSA does not regulate some investment mortgage contracts.  Calls may be recorded for training and monitoring. Max call charge from a BT landline is 3.9p per minute. Calls from other networks may vary.