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.
02/08/2011 by
The Euro ticking time bomb
Categories: Property market, Mortgages, House and home, Interest rates, Remortgaging
23/11/2010 by
Today’s joint press release from Shelter and the CAB entitled “Reckless lending must be stamped out now,” which refers to their joint letter to Housing Minister, Grant Shapps, in response to the FSA’s Responsible Lending...
Categories: Property market, Mortgages, Regulation, House and home
26/08/2010 by
No doubt the reason Andrew Lilico, Chief Economist of Policy Exchange, which calls itself a think tank, chose to issue his paper forecasting Bank Rate would rise to 8% in 2012 this week is that in the August silly season when real...
Categories: Property market, Bank of England, Mortgages, House and home, Interest rates
12/08/2010 by
Gross mortgage lending has fallen 61% from a peak of £362.6bn in 2007 to £142.6bn in 2009 and the 2010 figure is likely to be similar. Net lending has collapsed from £108bn in 2007 to £11.5bn last year, but net lending last year...
Categories: Property market, Bank of England, Mortgages, Personal finance, Regulation, House and home
07/06/2010 by
In his speech today Prime Minister David Cameron warned of "difficult decisions" on pay, pensions and benefits, set out the reasons for the "painful" cuts ahead and said that dealing with the deficit would be "unavoidably tough"...
Categories: Personal finance, House and home, Miscellaneous
22/01/2010 by
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...
Categories: Mortgages, House and home, Interest rates
14/01/2010 by
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. ...
Categories: Property market, Bank of England, House and home, Interest rates
10/12/2009 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...
Categories: Property market, Personal finance, Regulation, House and home
07/12/2009 by
I watched the repeat of Question Time on BBC Parliament yesterday and two points in relation to the housing market in general and the Lib Dems’ revised proposals for a Mansion tax in particular struck me as being worth commenting...
Categories: Property market, House and home
19/10/2009 by
The FSA’s Mortgage Market Review (MMR) was published today and although you are not at risk of getting autism from this MMR there will be a significant amount of consumer detriment if the report’s proposals to ban self...
Categories: Property market, Mortgages, Regulation, House and home
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.