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.
03/07/2009 by
The Nationwide House Price Index – The Real Figures v the Seasonally Adjusted Ones | |||||
Month | Average price (£) | Real Change | Seasonally Adjusted Change | Difference | |
2008 | Jan | 180,473 | - 0.9% | - 0.6% | + 0.3% |
| Feb | 179,358 | - 0.6% | - 0.9% | - 0.3% |
| Mar | 179,110 | - 0.1% | -... | |
Categories: Property market, Mortgages, Interest rates
08/06/2009 by
Today saw another sharp rise in gilt yields at the short end of the market, although there was a marginal fall in yields at the long end. The yield on 2 – 4 year gilts rose by around 0.15%, with the obvious knock on effect on swap...
Categories: Property market, Bank of England, Mortgages, Interest rates
04/06/2009 by
Today’s decision by the MPC to leave Bank Rate and the Quantitative Easing programme unchanged was widely expected but next month the committee will have to consider whether to utilise the final £25bn The Chancellor has authorised...
Categories: Property market, Bank of England, Mortgages, Interest rates
29/05/2009 by
The Nationwide House Price Index – The Real Figures v the Seasonally Adjusted Ones | |||||
Month | Average price (£) | Real Change | Seasonally Adjusted Change | Difference | |
2008 | Jan | 180,473 | - 0.9% | - 0.6% | + 0.3% |
| Feb | 179,358 | - 0.6% | - 0.9% | - 0.3% |
| Mar | 179,110 | -... | ||
Categories: Property market, House and home
30/04/2009 by
The Nationwide House Price Index – The Real Figures v the Seasonally Adjusted Ones | |||||
Month | Average price (£) | Real Change | Seasonally Adjusted Change | Difference | |
2008 | Jan | 180,473 | - 0.9% | - 0.6% | + 0.3% |
| Feb | 179,358 | - 0.6% | - 0.9% | - 0.3% |
| Mar | 179,110 | - 0.1% | -... | |
Categories: Property market, House and home
28/04/2009 by
I am not impressed with Halifax’s new 90% maximum LTV First Time Buyer (FTB) mortgage available from tomorrow, although it is an improvement on their current offering, which is 7.49% fixed to 31/7/14 with a £999 fee and no...
Categories: Property market, Mortgages, 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
21/04/2009 by
The fact that from when Gordon Brown announced the Homeowner Mortgage Support Scheme in early December it has taken the Government 4½ months to announce details of the scheme, coupled with the fact that out of well over 100...
Categories: Property market, Mortgages, House and home
20/04/2009 by
On 25 March I wrote that it was time to fix and swap rates have subsequently bobbed up and down without moving very far. Since then 4 and 5 year swap rates are up a net 0.10%, based on today’s closing rates, with longer term rates...
Categories: Property market, Bank of England, Mortgages, Regulation, Interest rates
18/04/2009 by
Although the Chancellor has indicated that there will be no further major fiscal stimulus in the budget on April 22, he should temporarily take the axe to stamp duty land tax on residential property, a move that would cost...
Categories: Property market, Mortgages, Regulation, House and home
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.