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.


25/07/2008 by Ray Boulger

For the last 3 weeks we have seen a steady stream of lenders cutting rates and there are more today, as detailed below. We are in a very different ball game to the first 6 months of the year, with lenders now actually competing...

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Categories: Mortgages, Interest rates, Buy to let

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02/11/2007 by Ray Boulger

John Charcol has been helping clients with their UK mortgage needs since 1974 and we have now have expanded our mortgage advice service to a much warmer climate. If you’re thinking about investing in the Dubai property market we...

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Categories: Property market, Buy to let, Mortgages

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06/08/2007 by Ray Boulger

The National Housing Federation (NHF), which represents 1,300 housing associations in England and says it is the voice of affordable housing, has today published a paper entitled “<link...

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Categories: Property market, Buy to let, House and home

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15/07/2007 by Ray Boulger

The Politics Show on BBC1 today had an interesting 20 minute item comparing the situation of German homebuyers with their British...

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Categories: Property market, Buy to let, House and home

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21/06/2007 by Ray Boulger

At their Annual Conference this week The Chartered Institute of Housing (CIH) claimed that the tax relief available on Buy-to-Let (BTL) mortgages is contributing to the problems faced by first-time buyers (FTB) and called on the...

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Categories: Property market, Buy to let, House and home

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30/05/2007 by Ray Boulger

Ananova reports an interesting punishment to fit the crime for a landlord in the USA who was not treating his tenants fairly:


A US landlord has been ordered to live in one of his apartment buildings with no heating or hot water. ...

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Categories: Property market, Buy to let

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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.