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 Real Nationwide House Price Index extends run of monthly increases to six

Posted on 28 August 2009 by Ray Boulger

Nationwide’s “Real” House price Index increased by 0.9% in August, down from the 1.6% recorded in each of the previous two months, but still well into positive territory. The seasonally adjusted figure for August was + 1.6%,...

Category: House and home, Interest rates, Mortgages, Property market

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Moody's Gets It Wrong Again

Posted on 27 August 2009 by Ray Boulger

After their complete failure prior to the credit crunch to properly do the job they are paid to do (by the issuers of those same mortgage backed securities they were rating) and spot where the risks were in these securities, a...

Category: Interest rates, Mortgages, Property market

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Swap rates fall, but fixed rates don't

Posted on 25 August 2009 by Ray Boulger

In its regular comparison of the price of fixed rate mortgages with swap rates Moneyfacts has today flagged up that the current differential of 3.14% between 2 year swaps at 2.04% and the average 2 year fix at 5.18% is the widest...

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What the Treasury Select Committee missed in its report

Posted on 11 August 2009 by Ray Boulger

As promised in my previous post I will now comment on the second part of the Treasury Select Committee’s brief, i.e. access to mortgage finance, in its report entitled “Mortgage Arrears and Access to Mortgage Finance” it...

Category: House and home, Mortgages, Property market, Regulation

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Treasury Select Committee report on mortgage arrears

Posted on 8 August 2009 by Ray Boulger

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...

Category: House and home, Mortgages, Personal finance, Regulation

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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.