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.
26/04/2013 by
More joined up policies from our politicians in respect of low deposit mortgages would be sensible, but unfortunately also wishful thinking. ...
Categories: Property market, Mortgages, Regulation
08/04/2013 by
As far as the housing market is concerned, Right to Buy was Margaret Thatcher’s major specific legacy. This fuelled a substantial increase in the proportion of people who aspired to, and became, owner occupiers and that increase...
Categories: Property market, Mortgages, House and home, Miscellaneous, Remortgaging
26/02/2013 by
Negative interest rates will increase the pressure to lend and the mortgage market would be a major beneficiary of any such action. This increases the likelihood of genuine cuts in 2 year fixed rates (as opposed to lower rates...
Categories: Moving Home, Remortgaging, Mortgages, Bank of England, Property market
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
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
24/08/2012 by
The following article first appeared in last week's edition of Financial Adviser:
When the Treasury select committee quizzed Sir Mervyn King and Lord (Adair) Turner recently about the Libor rate fixing scandal, both had their...
Categories: Property market, Bank of England, Mortgages, Regulation
06/08/2012 by
Any new mortgage lender, especially one with the potential firepower of Tesco, is a very welcome addition to the mortgage scene. However, any hopes that the entry of Tesco would produce a significant increase in competition have...
Categories: Property market, Mortgages, Remortgaging, Moving Home, Personal finance
31/05/2012 by
John Charcol can’t claim to have been providing mortgage advice over the whole of the last 60 years but, having been formed in 1974, we believe that John Charcol is the longest established mortgage broker in the UK.
House Price...
Categories: Property market, Bank of England, Buy to let, Mortgages, Personal finance, Regulation, House and home, Miscellaneous, Remortgaging, Moving Home
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
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.