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.
12/09/2011 by
There is naturally a major focus in the media today on the Vickers Report but it is important to recognise that the proposals, which the Chancellor has already accepted, don’t have to be fully implemented until 2019, the same...
Categories: Mortgages, Personal finance, Regulation
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
03/03/2011 by
If Gordon Brown had not reneged on an Election Pledge to have a referendum before passing new powers to the EU the ECJ’s mad ruling could have been prevented
Categories: Property market, Mortgages, Regulation
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
19/12/2010 by
In an interview in The Sunday Telegraph today Lloyds Banking Group's current Chief Executive, Eric Daniels, promised to bring greater transparency to his bank's financial products in the last 3 months of his tenure. ...
Categories: Mortgages, Regulation
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
10/11/2010 by
Halifax has released a survey today which highlights the fact that a high proportion of potential homeowners have little or no knowledge of shared ownership and in particular only 24% of Brits would consider buying a home through...
Categories: Property market, Mortgages, Regulation
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
14/09/2010 by
There is a fine line between appropriate and overly onerous regulation and after all the horse trading it is far from clear that the proposed Basel III rules have drawn that line in the right place, although after the huge bail...
Categories: Property market, Bank of England, Mortgages, Regulation
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.