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.
15/04/2013 by
In today’s Metro the Post Office, which is an Appointed Representative of Bank of Ireland (UK) Ltd, has a front and back page 4 page wrap around with a non compliant mortgage advert, which suggests a pretty slap dash approach to...
Categories: Bank of England, Mortgages, Regulation, Interest rates
26/02/2013 by
Negative interest rates will increase the pressure to lend and the mortgage market would be a major beneficiary of any such action. This increases the likelihood of genuine cuts in 2 year fixed rates (as opposed to lower rates...
Categories: Moving Home, Remortgaging, Mortgages, Bank of England, Property market
15/02/2013 by
This week’s Quarterly Inflation Report from the Bank of England added little in terms of inflation expectations to the statement issued by The Bank on Thursday last week. However, it did provide considerable meat on the bone and...
Categories: Property market, Bank of England, Mortgages, Personal finance, House and home, Interest rates, Commercial, Buy to let
24/08/2012 by
The following article first appeared in last week's edition of Financial Adviser:
When the Treasury select committee quizzed Sir Mervyn King and Lord (Adair) Turner recently about the Libor rate fixing scandal, both had their...
Categories: Property market, Bank of England, Mortgages, Regulation
16/07/2012 by
I watched last week’s Treasury Select Committee interviews of Paul Tucker and Marcus Agius at the weekend. The difference between Bob Diamond’s prevarication and Marcus Agius’ openness was enlightening. ...
Categories: Bank of England, Mortgages, Regulation, Interest rates
13/07/2012 by
With today’s announcement from The Bank of England giving further details of the Funding for Lending scheme, which was originally outlined by The Governor and The Chancellor at The Mansion House on 14 June, it is now possible to...
Categories: Bank of England, Mortgages, House and home, Interest rates, Remortgaging
05/07/2012 by
Today’s MPC decision to leave Bank Rate unchanged was a foregone conclusion, following Mervyn King’s speech at The Mansion House Banquet. Likewise, after last month’s narrow 5-4 vote not to increase the amount of Quantitative...
Categories: Bank of England, Mortgages, Interest rates
31/05/2012 by
John Charcol can’t claim to have been providing mortgage advice over the whole of the last 60 years but, having been formed in 1974, we believe that John Charcol is the longest established mortgage broker in the UK.
House Price...
Categories: Property market, Bank of England, Buy to let, Mortgages, Personal finance, Regulation, House and home, Miscellaneous, Remortgaging, Moving Home
07/03/2012 by
Bank of Ireland has today announced a 2 stage increase in its SVR from 2.99% to 4.49%, with a 1% increase in June, followed by a further 0.5% in September. ...
Categories: Bank of England, Mortgages, Personal finance, Interest rates
05/09/2011 by
With new evidence of problems in global economy emerging almost every day now from somewhere in the world (figures from the UK service sector today were much worse than expected by economists, many of whom seem to be pretty...
Categories: Bank of England, Mortgages, Regulation, Interest rates
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.