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.


09/10/2007 by Ray Boulger

Gordon Brown’s final Budget report as Chancellor disappointingly held out no promise of any moves to make the current stamp duty land tax fair, or even less unfair. Alisdair Darling has gone very little further in today’s <link...

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Categories: Mortgages, Personal finance, House and home, Miscellaneous

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09/10/2007 by Ray Boulger

When announcing his proposals on IHT in today’s pre-budget report Alistair Darling said that he would invest the £2 billion he had “saved” in health and education.” The only problem with this is that his proposals actually cost...

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Categories: Personal finance, Miscellaneous

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18/09/2007 by Ray Boulger

The problems in the banking market look like developing into a serious political problem for the Government. This has the makings of being Gordon Brown’s equivalent of the Tory’s Black Wednesday 15 years ago, when on 16 September...

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Categories: Bank of England, Regulation, Miscellaneous

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12/09/2007 by Ray Boulger

Victoria Mortgages, or to quote its full name, Victoria Mortgage Funding No 1 Limited, went into administration on Monday 10 September. Although the home page of...

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Categories: Mortgages, Miscellaneous

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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.