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.


22/05/2007 by Ray Boulger

Communities Secretary Ruth Kelly will "update" (the Government likes euphemisms) MPs on HIPs by making a statement in the Commons at 3.30. this afternoon. Both the BBC and Channel 4 are saying that she will announce that the start...

Read more

Categories: Property market, HIPs

Be the first to comment


21/05/2007 by Ray Boulger

Tomorrow’s motion in the Lords to revoke the HIPs legislation is very likely to be passed as the Conservatives and Liberal Democrats will support it and the Government do not have a majority in the Lords. Losing last week’s...

Read more

Categories: Property market, HIPs

1 comment(s)


20/05/2007 by Ray Boulger

Mortgage Strategy reported a bust up last week between the Association of Home Information Pack Providers (AHIPP) and the Department for Communities and Local Government (DCLG), despite the fact that both organisations are meant...

Read more

Categories: Property market, HIPs

1 comment(s)


18/05/2007 by Ray Boulger

The DCLG web site states: The Home Information Pack Regulations 2007 require that for a transitional period, sellers can market their homes with a HIP that includes the Energy Performance Certificate (EPC), sale statement,...

Read more

Categories: Property market, HIPs

Be the first to comment


15/05/2007 by Ray Boulger

Today's news that The Royal Institution of Chartered Surveyors (RICS) has taken the unprecedented step, for the first time in their 136 year history, of commencing judicial review proceedings against Didn’t Consult, Listen or Get...

Read more

Categories: Property market, HIPs

1 comment(s)


14/05/2007 by Ray Boulger

On Radio 4’s The Westminster Hour yesterday evening presenter Carolyn Quinn discussed a number of topical issues, including Home Information Packs (HIPs), with two MPs, Lynne Featherstone for the Lib Dems and Conservative Ed...

Read more

Categories: Property market, HIPs

1 comment(s)


02/05/2007 by Ray Boulger

Propertyfinder.com has found that there is still a lot of confusion in the general public concerning the impending launch of Home Information Packs. They surveyed over 1,800 people and found that 36% of the general public thought...

Read more

Categories: HIPs

4 comment(s)


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.