Ask Bea
Bea's Biography
Bea began her career in financial services in August 2001, as an underwriter for Chelsea Building Society. In January 2004 she joined Clydesdale Bank as a Mortgage Adviser, and then joined John Charcol in January 2007 as a mortgage consultant. John Charcol, the sister company of Charcol, provides independent mortgage advice.
Bea’s has been chosen as our mortgage expert due to her excellent reputation both within John Charcol and with her clients through exceptional customer service and management, and first class broking skills. Bea typifies the standards clients can expect from John Charcol. In the words of one of her clients, “Bea has arranged our transaction and has explained what is happening at every stage of the process. I am very pleased and impressed with both her approachable, common sense attitude and ability to obtain the best deal on both my properties, securing mortgages that were far better than what I was used to paying. At every point of contact Bea has been professional and extremely helpful, going above and beyond what would normally be expected.”
Outside of work Bea lives in Richmond with her husband and enjoys reading, painting, good food and great wine.
If you would like to discuss your specific situation in more detail, or would like further advice, please call and speak to one of our qualified mortgage consultants now on: 0845 034 2100
STOP PRESS - Due to a techncial fault beyond our control, we have just found out that we have lost a number of questions submitted over the last month or so. We are extremely sorry about this and apologise to those that are still waiting for a response. If you could re-submit yout question we will endeavour to answer it as soon as possible.
Please be aware that these answers can only be generic and no personal recommendations can be made.
Posted on 20 August 2008
My husband earns a regular salary but I am in between jobs. However, we take in business students. Can we get a mortgage taking into account the money we get from the business school? A lot of mortgage companies do not seem to...
Posted on 13 August 2008
I was wondering whether you guys would be able to help me in my current situation, as I know it's pretty difficult to get a mortgage at the moment. Basically I have some old defaults from some loans & credits cards I held jointly...
Posted on 13 August 2008
My brother and I co-own a house for the past 8 years. He recently purchased a home with his girlfriend and moved out. How do we settle up on the mortgage? Do I have to buy him out? What options do I have?
Posted on 12 August 2008
I am getting separated in Northern Ireland. We have a marital home plus 3 other properties. We have 2 kids (10 and 6) and were married 16 years. I agreed that she can stay in the marital home and get 60% of the value of the...
Posted on 12 August 2008
I am thinking of seperating from my partner, but we have a joint mortgage and I want to remain in the house. I am currently on maternity leave, and plan to return to Childminding from home. The problem is I was only working...
Posted on 11 August 2008
I am an existing mortgage holder on a property currently valued at £210,000. The mortgage is currently interest-only and has 19 years to run. I would like to revert to repayment whilst reducing the monthly payments. I have a...
Posted on 9 August 2008
My husband and I are in the process of separating. We have tried selling the family home but it has fallen through twice and is unlikely to sell. I am paying all the mortgage, which I find difficult on my low salary. My husband...
Posted on 7 August 2008
My husband and I are on a IVA and live in rented accomodation and wondered if it is possible to apply for a mortgage while on the IVA?
Posted on 5 August 2008
What are the risks of a cohabiting - as compared with married - couple defaulting on their mortgage?
Posted on 1 August 2008
Are 90% LTV mortgages available for new build homes?
HSBC are not lending over 75%.
Posted on 31 July 2008
Hi,
My partner and I bought a house 2 years ago in Northampton. We live in london, but our plan was to move to northampton, however, due to work commitments this never happended. When we bought the house we got a together...
Posted on 28 July 2008
I currently have an offset mortgage with IF. I have approx £30k offsetting a mortgage of £69,000 (balance left to pay). Is it better to offset and save interest each month or would I be better off knocking nearly £30k off my...
Posted on 27 July 2008
Hi, me and my husband currently have a 3 bed semi detached house worth around £135,000 we bought it for £120,000 3 years ago, we are lookinmg to move to a bigger property as we now have a baby. Would we be able to let the...
Posted on 26 July 2008
I have a tracker mortgage with the woolwich, if I let my house will my rate increase
Posted on 26 July 2008
Hi Bea, I'm British but have lived in Australia for the last 3 years. I have a house in NW London worth $350,000 with a mortgage of $165,000. My mortgage contract finishes in August this year and I'm interested in raising some...
Answers provided in response to Ask Bea are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They 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 Bea will accept liability for them.
We recommend you seek professional advice with regard to any of these topics where appropriate.
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