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.
15/04/2013 by
In today’s Metro the Post Office, which is an Appointed Representative of Bank of Ireland (UK) Ltd, has a front and back page 4 page wrap around with a non compliant mortgage advert, which suggests a pretty slap dash approach to...
Categories: Bank of England, Mortgages, Regulation, Interest rates
15/02/2013 by
This week’s Quarterly Inflation Report from the Bank of England added little in terms of inflation expectations to the statement issued by The Bank on Thursday last week. However, it did provide considerable meat on the bone and...
Categories: Property market, Bank of England, Mortgages, Personal finance, House and home, Interest rates, Commercial, Buy to let
07/02/2013 by
Tomorrow Chelsea B S is cutting its 1.99% 2 year fixed rate (end date 30/4/15) to 1.89%, but at the same time increasing the fee from £995 to £1,695; there will still be no freebies. This new, lower, rate will only be better value...
Categories: Mortgages, Interest rates
11/12/2012 by
The FSA has today published its latest mortgage lending quarterly lending figures, for the third quarter of this year. ...
Categories: Mortgages, Regulation, Interest rates, Remortgaging
30/09/2012 by
Net mortgage lending has collapsed by over 90% since 2007, down from £109bn to less than £10bn in each of the last two years. One of the casualties has been innovation, unless one classes criteria tightening as innovation. ...
Categories: Property market, Mortgages, Interest rates
16/07/2012 by
I watched last week’s Treasury Select Committee interviews of Paul Tucker and Marcus Agius at the weekend. The difference between Bob Diamond’s prevarication and Marcus Agius’ openness was enlightening. ...
Categories: Bank of England, Mortgages, Regulation, Interest rates
13/07/2012 by
With today’s announcement from The Bank of England giving further details of the Funding for Lending scheme, which was originally outlined by The Governor and The Chancellor at The Mansion House on 14 June, it is now possible to...
Categories: Bank of England, Mortgages, House and home, Interest rates, Remortgaging
05/07/2012 by
Today’s MPC decision to leave Bank Rate unchanged was a foregone conclusion, following Mervyn King’s speech at The Mansion House Banquet. Likewise, after last month’s narrow 5-4 vote not to increase the amount of Quantitative...
Categories: Bank of England, Mortgages, Interest rates
07/03/2012 by
Bank of Ireland has today announced a 2 stage increase in its SVR from 2.99% to 4.49%, with a 1% increase in June, followed by a further 0.5% in September. ...
Categories: Bank of England, Mortgages, Personal finance, Interest rates
28/02/2012 by
This change from Halifax certainly puts a whole new meaning to its catch phrase “The bank that gives you extra.”
Categories: Mortgages, Interest rates
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.