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.
05/09/2011 by
With new evidence of problems in global economy emerging almost every day now from somewhere in the world (figures from the UK service sector today were much worse than expected by economists, many of whom seem to be pretty...
Categories: Bank of England, Mortgages, Regulation, Interest rates
02/08/2011 by
The Euro ticking time bomb
Categories: Property market, Mortgages, House and home, Interest rates, Remortgaging
18/01/2011 by
Today’s inflation figure of CPI 3.7% year on year will provide plenty of copy for the news media but the market’s reaction hardly justifies the Evening Standard headline of “Soaring interest rate on the way.” ...
Categories: Bank of England, Mortgages, Interest rates
29/10/2010 by
Following this week’s third quarter GDP figures one has to consider whether this changes the dynamics of the market enough to take a more positive view about switching to switch to a fixed rate. Just as with Halifax's reported...
Categories: Property market, Bank of England, Mortgages, Regulation, Interest rates
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
11/08/2010 by
Gilt yields have fallen sharply today, with the yield on 4 - 10 year gilts lower by around 11 basis points (0.11%). This follows yesterday evening's statement by the Fed and today's Quarterly Inflation Report from the Bank of...
Categories: Mortgages, Property market, Bank of England, Regulation, Interest rates
22/06/2010 by
One of the opening comments in George Osborne’s Budget speech was that he was “not going to hide hard choices from the British people or bury them in the small print of the Budget documents.” He added “You’re going to hear them...
Categories: Property market, Bank of England, Buy to let, Mortgages, Interest rates
28/05/2010 by
Santander has announced that following today's Court approval for the legal transfer of Alliance & Leicester plc to Santander UK plc all new A&L mortgages will now revert to Bank Rate + 3.74% (current pay rate 4.24%) instead of...
Categories: Bank of England, Mortgages, Interest rates
27/05/2010 by
Lloyds Banking Group has just announced that from 1 June Lloyds TSB, Lloyds TSB Scotland and Cheltenham & Gloucester will abandon their current SVR structure, i.e. a guaranteed lifetime cap at Bank Rate + 2%, and instead all new...
Categories: Bank of England, Mortgages, Interest rates
21/04/2010 by
Following yesterday's publication of the disappointing March inflation figures, with year on year CPI up from 3% to 3.4%, and RPI up to 4.4%, today the MPC April meeting minutes and the latest unemployment figures were published....
Categories: Bank of England, 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.