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.
Posted on 12/08/2010 by
Gross mortgage lending has fallen 61% from a peak of £362.6bn in 2007 to £142.6bn in 2009 and the 2010 figure is likely to be similar. Net lending has collapsed from £108bn in 2007 to £11.5bn last year, but net...
Categories: Bank of England, House and home, Mortgages, Personal finance, Property market, Regulation
Posted on 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: Bank of England, Interest rates, Mortgages, Property market, Regulation
Posted on 13/07/2010 by
Below is today’s press release from the FSA on its proposed changes to the mortgage market, followed by an amended version of what I think it meant to say but was too shy to do so:
FSA moves to make sure all borrowers with a new...
Categories: Buy to let, Mortgages, Property market, Regulation
Posted on 15/04/2010 by
On its mainstream introducer range last weekend Halifax extended to fixed rates the policy it introduced a month ago on trackers of charging borrowers an extra 0.2% if they choose an interest only mortgage rather than repayment....
Categories: Mortgages, Personal finance, Property market, Regulation
Posted on 16/02/2010 by
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...
Categories: Miscellaneous, 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.