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.


22/05/2009 by Ray Boulger

Today’s Metro has an article (p.4) about the number of births and deaths in England &...

Read more

Categories: Bank of England, Mortgages, Miscellaneous

Be the first to comment


23/04/2009 by Ray Boulger

We now have confirmation from yesterday’s budget papers that the Government will give £1,000 to anyone who owns a car which is at least 10 years old, and they have owned for at least a year, if they scrap it and buy a new one,...

Read more

Categories: Miscellaneous

1 comment(s)


22/04/2009 by Ray Boulger

In his budget speech today Alistair Darling said: “This budget will build on the strength of the British economy.”

I can only assume he is already practising for a new career as a comedian after the general election!

 

 

Read more

Categories: Miscellaneous

Be the first to comment


04/04/2009 by Ray Boulger

A potentially very serious issue emerged this week following comments from a couple of Government Ministers:  ...

Read more

Categories: Property market, Mortgages, Miscellaneous, Interest rates

2 comment(s)


03/04/2009 by Ray Boulger

International media reaction to the G-20 summit in London ranged from wary to upbeat but looking at the front page headlines in even Tory papers today Gordon Brown's spin machine can claim some brownie points in the short term....

Read more

Categories: Bank of England, Regulation, Miscellaneous

Be the first to comment


15/12/2008 by Ray Boulger

Alistair Darling, today in the House of Commons:

"Of course we are more likely to be more severely affected as a result [of the UK's dependence on the City and housing market]". ...

Read more

Categories: Property market, House and home, Miscellaneous

1 comment(s)


01/12/2008 by Ray Boulger

In a broadcast on French radio Jose Manuel Barroso, the President of the European Commission and former prime minister of Portugal, said that some British politicians had recently said to him, “If we had the euro, we would have...

Read more

Categories: Property market, Bank of England, Miscellaneous

Be the first to comment


19/10/2008 by Ray Boulger

Less than 2 weeks ago our Government transferred the £2.5bn worth of retail deposits held by 160,000 UK customers in Icelandic bank Kaupthing Edge to ING. It also arranged for the transfer to ING of £538m of deposits held by...

Read more

Categories: Mortgages, Regulation, Miscellaneous

Be the first to comment


09/10/2008 by Ray Boulger

Iceland has just announced that it has suspended all trading on its Stock Exchange until Monday. ...

Read more

Categories: Miscellaneous

Be the first to comment


07/10/2008 by Ray Boulger

Reuters is reporting that Landsbanki has been put in receivership

Read more

Categories: Personal finance, Miscellaneous

Be the first to comment


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.