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.

Can that Really Be True?

Posted on 22 January 2010 by Ray Boulger

To promote lower rates from today on a third of its 2 year fixes (those with a maximum LTV of 80%) Santander has put out a press release headlined “Demand for tracker deals plummets as homeowners look to make fixed rate hay while...

Category: House and home, Interest rates, Mortgages

1 Comment

One Third of US Households in Negative Equity

Posted on 14 January 2010 by Ray Boulger

Rasmussen (One of the top USA polling companies) yesterday released its latest findings on what US consumers think about their housing market and it is not positive news.

They have little confidence in the housing market, either...

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

No Comments

Bank Payroll Tax on big bonuses will impact top end of property market

Posted on 10 December 2009 by Ray Boulger

The main impact of the Pre Budget Report on the housing market will be at the top end, primarily in London & the South East. The 50% bank payroll tax on discretionary bonuses over £25,000 will surely have some impact either on...

Category: House and home, Personal finance, Property market, Regulation

No Comments

Margaret Beckett dislays her ignorance of the housing market

Posted on 7 December 2009 by Ray Boulger

I watched the repeat of Question Time on BBC Parliament yesterday and two points in relation to the housing market in general and the Lib Dems’ revised proposals for a Mansion tax in particular struck me as being worth commenting...

Category: House and home, Property market

3 Comments

The FSA fails to understand the mortgage market

Posted on 19 October 2009 by Ray Boulger

The FSA’s Mortgage Market Review (MMR) was published today and although you are not at risk of getting autism from this MMR there will be a significant amount of consumer detriment if the report’s proposals to ban self...

Category: House and home, Mortgages, Property market, Regulation

6 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.