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.

Northern Rock significantly improves to its mortgages

Posted on 5 October 2009 by Ray Boulger

Following on quickly from the significant improvement (reported in the previous blog post) to Woolwich’s lifetime tracker rate Northern Rock are also getting in on the act with several good improvements to its product range from...

Category: Buy to let, Interest rates, Mortgages

2 Comments

Brilliant tracker News from Woolwich

Posted on 5 October 2009 by Ray Boulger

Woolwich's decision to cut, from tomorrow, its lifetime tracker rate for LTVs up to 70% by 0.45% to Bank Rate + 2.29% and also reduce the ERC, which is 1%, period from 3 years to 2 is excellent news for the tracker market and...

Category: Interest rates, Mortgages

No Comments

The old relationship between Libor, swap rates and mortgage rates has broken down

Posted on 25 September 2009 by Ray Boulger

2 years ago few people had heard of Libor, the London Interbank Offered Rate, let alone knew what it was. Most people still won’t be able to define Libor but as a result of the credit crunch many people will at least be familiar...

Category: Bank of England, Interest rates, Mortgages, Property market, Regulation

1 Comment

Vince Cable demonstrates his economic illiteracy

Posted on 22 September 2009 by Ray Boulger

Liberal Democrat Shadow Chancellor Vince Cable opened his speech at the party conference yesterday by saying "If there were ever a time for the Liberal Democrats, this is it." On that basis I presume he doesn’t expect the LibDems...

Category: House and home, Property market

1 Comment

The ITEM Club draws the wrong conclusion on house prices

Posted on 14 September 2009 by Ray Boulger

A report today from the Ernst & Young ITEM Club calls the current increase in house prices, which it refers to as “stabilisation,” a false dawn and forecasts that property values will not return to their 2007 peak for at least...

Category: Bank of England, House and home, Interest rates, Mortgages, Property market

2 Comments

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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.