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.
08/08/2009 by
The Treasury Select Committee’s report on “Mortgage Arrears and Access to Mortgage Finance,” published today, pulls no punches. Furthermore the FSA is just as much in the firing line as lenders. I will comment in this post on the...
Categories: Mortgages, Personal finance, Regulation, House and home
04/07/2009 by
The Bank of England announced yesterday that Housing Equity Withdrawal in the first quarter of 2009 was -£8.1bn. This figure has now been negative for 4 quarters, rising each quarter, although the figure for the first quarter of...
Categories: Property market, Mortgages, Personal finance, Interest rates
25/04/2009 by
Answer. Both have recently announced an increase of about 30% in their fees and both attempted to justify the increase on the basis that after deciding how much they wanted to spend that was the percentage increase needed to...
Categories: Property market, Personal finance, Regulation, House and home
13/12/2008 by
The BBC has today been reporting about Abbey withdrawing borrowing facilities from some customers with an offset mortgage, which Abbey call a flexible mortgage. This follows Abbey sending out letters last month to about 4,000...
Categories: Mortgages, Personal finance, Regulation
24/11/2008 by
Some of the key comments from Sir James Crosby in his Report, published today, are:
- “I believe there is a strong case for intervention in mortgage finance markets.”
- “The real risk is that the shortage of mortgage finance now...
Categories: Property market, Bank of England, Mortgages, Personal finance, Regulation
24/11/2008 by
Most of the positive aspects of the Pre Budget Report (PBR) had been well leaked, but many of the negatives were worse than expected. For example leaking the 2.5% VAT cut, leading to anticipation that the cost of fuel, alcohol and...
Categories: Property market, Mortgages, Personal finance, House and home
24/11/2008 by
Stabilising the property market is critical to restoring confidence in both consumers and banks/building societies. One simple way to help achieve that would be a temporary suspension of all stamp duty. The following article I...
Categories: Property market, Personal finance, House and home
07/10/2008 by
Reuters is reporting that Landsbanki has been put in receivership
Categories: Personal finance, Miscellaneous
07/10/2008 by
Icesave suspended all transfers in and out of their ISAs and other accounts from 7.00. this morning. The following statement is on their web site:
We are not currently processing any deposits or any withdrawal requests through...
Categories: Personal finance, Miscellaneous
05/07/2008 by
In her "Jessica Investigates" page of today's Daily Telegraph Jessica Gorst-Williams replies to 7 readers' letters complaining about financial institutions. Of these over 50% (4 to be precise) were complaints about Abbey. ...
Categories: Mortgages, Personal finance, Miscellaneous
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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.