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.

The Nationwide “Real” House Price Index is up 0.6% in April

Posted on 30 April 2009 by Ray Boulger

The Nationwide House Price Index – The Real Figures v the Seasonally Adjusted OnesMonthAverage price (£)Real ChangeSeasonally Adjusted ChangeDifference2008Jan180,473- 0.9%- 0.6%+ 0.3%Feb179,358- 0.6%- 0.9%- 0.3%Mar179,110-...

Category: House and home, Property market

28 Comments

Abbey (and Alliance & Leicester) announces good 1st quarter figures

Posted on 29 April 2009 by Ray Boulger

Abbey announced its results (unaudited) for the first quarter of 2009 today and these confirmed a further increase in the bank’s (now also including Alliance & Leicester) market share of gross lending, pushing the figure back up...

Category: Interest rates, Mortgages

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Halifax's new FTB 5 year fix is a dog

Posted on 28 April 2009 by Ray Boulger

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...

Category: Interest rates, Mortgages, Property market

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What do the Land Registry and the FSA have in common?

Posted on 25 April 2009 by Ray Boulger

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...

Category: House and home, Personal finance, Property market, Regulation

1 Comment

Scappage scheme gets round the EU VAT rules

Posted on 23 April 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,...

Category: 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.