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.

Nationwide's Real House Price Index rises by only 0.1% in October

Posted on 30 October 2009 by Ray Boulger

Nationwide’s “Real” House price Index increased by 0.1% in October, compared to the more widely reported 0.4% seasonally adjusted rise. This is the smallest monthly rise since the market bottomed out in February but nevertheless...

Category: Bank of England, Mortgages, Property market

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Barclays acquires Standard Life Bank at 22.9% discount to NAV

Posted on 26 October 2009 by Ray Boulger

The announcement this afternoon that Barclays are acquiring Standard Life Bank is sad news for consumers, not because of anything negative about Barclays but because it means that one of the dwindling number of brands still...

Category: Buy to let, Mortgages

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My take on the rest of the MMR proposals

Posted on 21 October 2009 by Ray Boulger

Following on from my blog post on Monday on the MMR I note that less than 24 hours after post the FSA have amended the figure I queried for the increase in property prices over the 10 years to the onset of the credit crunch from...

Category: Buy to let, HIPs, Interest rates, Mortgages, Personal finance, Regulation

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Some politicians never learn

Posted on 20 October 2009 by Ray Boulger

Mortgage Strategy is reporting a call from Vince Cable for ‘stakeholder’ style mortgages to be introduced. He starts off well by saying: “With such a complex mortgage market already in existence highly prescriptive rules for...

Category: Mortgages, Regulation

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The FSA fails to understand the mortgage market

Posted on 19 October 2009 by Ray Boulger

The FSA’s Mortgage Market Review (MMR) was published today and although you are not at risk of getting autism from this MMR there will be a significant amount of consumer detriment if the report’s proposals to ban self...

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