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.


07/12/2010 by Ray Boulger

In his book Gordon Brown claims he was misled by Sir Fred Goodwin about the extent of reckless lending at the Royal Bank of Scotland. ...

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Categories: Regulation, Miscellaneous

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07/06/2010 by Ray Boulger

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"...

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Categories: Personal finance, House and home, Miscellaneous

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19/02/2010 by Ray Boulger

The 2 Labour Ministers (Mandelson and Bradshaw ) who were due to attend this weekend's BAFTA ceremony have pulled out this afternoon (Hat Tip: Iain Dale).

The most logical reason for such a mass withdrawal (OK, I know it is only...

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Categories: Miscellaneous

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16/02/2010 by Ray Boulger

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...

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Categories: Regulation, Miscellaneous

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11/01/2010 by Ray ger

Santander Group this morning sent an email to brokers confirming the re-brand of Abbey and Bradford & Bingley branches to Santander, and indeed the branch in Holborn near my office has already been rebranded. ...

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Categories: Mortgages, Personal finance, Miscellaneous

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01/12/2009 by Ray Boulger

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...

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Categories: Buy to let, Mortgages, Regulation, Miscellaneous

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05/08/2009 by Ray Boulger

The headline of the lead story in tonight's Evening Standard is “We sell junk says boss of organic stores.” ...

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Categories: Miscellaneous

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27/07/2009 by Ray Boulger

The BBC is reporting that Barclays' online banking services were unavailable to some UK customers from 9.30. to 14.00. today owing to a hardware glitch. ...

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Categories: Miscellaneous

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01/06/2009 by Ray Boulger

When Evan Davis interviewed Gordon Brown on the Today programme this morning Evan, as expected, didn’t give him such as easy ride as Andrew Marr did yesterday on BBC1. A couple of questions in particular produced an answer I...

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Categories: Miscellaneous

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28/05/2009 by Ray Boulger

The logic of Santander’s announcement to rebrand all their UK branches (Abbey, Alliance & Leicester and Bradford & Bingley) as Santander is obvious and when the integration has been completed will have clear benefits for those...

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Categories: Buy to let, Mortgages, Miscellaneous

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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 Services 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 Services 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 FSA 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.