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.
Posted on 16 February 2010 by
It was clear from the Mortgage Market Review that the FSA had a very limited understanding of the value of a self cert mortgage for many, primarily self employed, people. Before finalising any new policy, even though the actual...
Category: Miscellaneous, Regulation
Posted on 25 January 2010 by
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
Posted on 10 December 2009 by
The main impact of the Pre Budget Report on the housing market will be at the top end, primarily in London & the South East. The 50% bank payroll tax on discretionary bonuses over £25,000 will surely have some impact either on...
Category: House and home, Personal finance, Property market, Regulation
Posted on 1 December 2009 by
Yorkshire Building Society has announced it is in “advanced talks” to takeover, sorry, merge with, Chelsea Building Society. This is not yet a done deal and the statement was no doubt rushed out as a result of a leak reported by...
Category: Buy to let, Miscellaneous, Mortgages, Regulation
Posted on 9 November 2009 by
Below is my November column for Money Marketing, published last week:
Lobbying from the AMI and others helped persuade the FSA in its Mortgage Market Review (MMR) not to adopt some of the uninformed suggestions from certain...
Category: Mortgages, Regulation
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.
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