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.
17/04/2009 by
An interesting spat has developed between the website Zoopla and The Association of Home Information Pack Providers (AHIPP). ...
Categories: Property market, HIPs
08/04/2009 by
HSBC has today announced that from next Tuesday it will be offering a couple of 2 year fixed rates and a lifetime tracker up to 90% LTV for purchasers only. The 2 year fixed rate options are 4.99% with a £1,499 booking fee or...
Categories: Property market, Bank of England, Mortgages, House and home, Interest rates
06/04/2009 by
Nationwide’s House Price Index has traditionally been less volatile than Halifax’s and so it was particularly encouraging when Nationwide reported a 0.9% increase in house prices in March. However, the real figures are even better...
Categories: Property market, Bank of England, Buy to let, Mortgages
04/04/2009 by
A potentially very serious issue emerged this week following comments from a couple of Government Ministers: ...
Categories: Property market, Mortgages, Miscellaneous, Interest rates
26/03/2009 by
Following the U.S. government’s plan push mortgage rates lower by increasing their purchases of mortgage backed securities as well as Treasury Bonds the traditional 30 year fixed mortgage rate fell today to 4.85%, the lowest on...
Categories: Property market, Mortgages, House and home, Interest rates
17/03/2009 by
John Charcol has issued the following press release today on the FSA's crackpot idea to limit mortgages to 3 times income, regardless of borrowers' ability to afford more or the level of interest rates: ...
Categories: Property market, Mortgages, Regulation
16/12/2008 by
This evening the Federal Reserve cut the main U.S. interest rate to “a target range” of between zero and 0.25% this evening and said it “will employ all available tools to promote the resumption of sustainable economic growth and...
Categories: Property market, Bank of England, Mortgages, Interest rates
16/12/2008 by
Bank of Scotland are tomorrow adding to their Large Loan range with the launch of a 3 year fixed rate up to 60% LTV at 5.29% with a 0.25% fee with a maximum loan size of £10m. I think this is the first time any mainstream lender...
Categories: Mortgages, House and home, Property market
15/12/2008 by
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]". ...
Categories: Property market, House and home, Miscellaneous
02/12/2008 by
At today’s CML Conference Vince Cable said: "The industry should now be exploring new products to restore faith in mortgage lending." Such a comment demonstrates a remarkable failure to understand the problem in today’s mortgage...
Categories: Property market, Mortgages
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.