Ray Boulger's Blog

Ray Boulger

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.


Posted on 2 December 2008 by Ray Boulger

At today’s CML Conference Vince Cable said: "The industry should now be exploring new products to restore faith in mortgage lending." Such a comment demonstrates a remarkable failure to understand the problem in today’s mortgage...

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Category: Mortgages, Property market

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Posted on 1 December 2008 by Ray Boulger

In a broadcast on French radio Jose Manuel Barroso, the President of the European Commission and former prime minister of Portugal, said that some British politicians had recently said to him, “If we had the euro, we would have...

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Category: Bank of England, Miscellaneous, Property market

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Posted on 27 November 2008 by Ray Boulger

Today’s announcement from Nationwide of their House Price Index for November showed a real fall of only 0.3% on the month, although the doctored (or seasonally adjusted to use the technical term) fall headlined by Nationwide was...

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

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Posted on 26 November 2008 by Ray Boulger

George Osborne was wrong today to criticise Northern Rock for increasing their fixed rates by 0.2 – 0.3%. For such criticism to be fair it is necessary to take account of how competitive their previous deals were and likewise how...

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Category: Bank of England, Interest rates, Mortgages, Property market

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Posted on 24 November 2008 by Ray Boulger

Some of the key comments from Sir James Crosby in his Report, published today, are:

“I believe there is a strong case for intervention in mortgage finance markets.”“The real risk is that the shortage of mortgage finance now...

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Category: Bank of England, Mortgages, Personal finance, Property market, Regulation

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