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.

Bank of China reassures its tracker passes on rate cuts

Posted on 25 January 2010 by Ray Boulger

Bank of China (UK) has an advert on p.9 of Metro today promoting its Bank Rate + 2.3% lifetime tracker, available up to 75% LTV. If one assesses competitiveness purely on rate and ignores the criteria this rate is market leading...

Category: Bank of England, Interest rates, Mortgages, Regulation

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Can that Really Be True?

Posted on 22 January 2010 by Ray Boulger

To promote lower rates from today on a third of its 2 year fixes (those with a maximum LTV of 80%) Santander has put out a press release headlined “Demand for tracker deals plummets as homeowners look to make fixed rate hay while...

Category: House and home, Interest rates, Mortgages

1 Comment

One Third of US Households in Negative Equity

Posted on 14 January 2010 by Ray Boulger

Rasmussen (One of the top USA polling companies) yesterday released its latest findings on what US consumers think about their housing market and it is not positive news.

They have little confidence in the housing market, either...

Category: Bank of England, House and home, Interest rates, Property market

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QE extended by £25bn but it is Savers who Bring Relief To Mortgage Borrowers

Posted on 5 November 2009 by Ray Boulger

With today’s Bank Rate decision a forgone conclusion, the only question we had to wait until midday to get the answer to was whether the MPC would extend the Quantitative Easing (QE) programme and, if so, by how much. The...

Category: Bank of England, Interest rates, Mortgages

2 Comments

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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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.