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.


21/10/2009 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...

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

1 comment(s)


17/04/2009 by Ray Boulger

An interesting spat has developed between the website Zoopla and The Association of Home Information Pack Providers (AHIPP). ...

Categories: Property market, HIPs

2 comment(s)


12/08/2008 by Ray Boulger

I note that Paul Broadhead, the Deputy Director General of AHIPP, the Association of HIP Providers, has resigned to take up the new position of Head of Mortgage Policy at The Building Societies Association in November. ...

Categories: Property market, House and home, HIPs

2 comment(s)


30/10/2007 by Ray Boulger

I note that AHIPP (the Association of Home Information Pack Providers), are looking for a PR and Communications Manager. I reckon being PR Manager for AHIPP will be one of the most challenging PR jobs around but anyone tempted to...

Categories: Property market, House and home, Miscellaneous, HIPs

1 comment(s)


28/08/2007 by Ray Boulger

The revelation last week that 2 major mortgage lenders, Barclays Woolwich and HSBC, will only accept the personal search that most HIP providers supply on condition that the solicitor acting for them guarantees it, would not have...

Categories: Property market, HIPs

2 comment(s)


04/08/2007 by Ray Boulger

Last weekend the Sunday Telegraph said that

Categories: Property market, House and home, HIPs

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20/07/2007 by Ray Boulger

This week the House of Lords voted by 186 to 160 to scrap Home Information Packs but despite this humiliation for the Government they subsequently...

Categories: Property market, Regulation, House and home, HIPs

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25/05/2007 by Ray Boulger

I am doing an interview for News 24 tomorrow at 10.40. a.m. on the current situation around HIPs.

Meanwhile DCLG has today sent a letter to Home Inspectors and Energy Assessors updating them on the situation. Click here if you...

Categories: Property market, HIPs

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25/05/2007 by Ray Boulger

 

When asked at Wednesday morning’s lobby briefing if the Government was confident of meeting the revised 1 August HIPs deadline, in view of the Royal Institute of Chartered Surveyors (RICS) saying there should be a 12 week...

Categories: HIPs

3 comment(s)


23/05/2007 by Ray Boulger

The Government finally backed down on HIPs on Tuesday afternoon and announced that the start date will be deferred by 2 months to 1 August this year and even then only for properties with at least 4 bedrooms. ...

Categories: Property market, HIPs

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Terms & conditions

Your initial mortgage consultation is obligation free. There will be a minimum fee for our mortgage service of £450, of which £150 is payable when you apply, and we will retain the commission from the mortgage lender. Alternatively, you can choose the fee only option which is typically 0.65% of the amount borrowed. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

Legals

John Charcol is a trading style of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Conduct Authority; our registration number is 147692. John Charcol Associates LLP is an appointed representative of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Conduct Authority.  Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Registered in England No: 02292688.  This mortgage site is only directed at persons within the UK.   The FCA does not regulate some investment mortgage contracts.  Calls may be recorded for training and monitoring. Max call charge from a BT landline is 3.9p per minute. Calls from other networks may vary.