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 29 August 2007
How can I buy a holiday home in France to let? I have a £130K mortgage on my property worth £335K and earn £30K a year. I would be buying it in a half share with my brother so would need £65K?
Category: Buy-to-let, Buying abroad, Remortgaging
Posted on 29 August 2007
My daughter is a nurse, 27, single and working in London. Annual income I believe to be £25,000, no significant loans or credit card debts. Are there any mortgage options available to her for a £180,000 flat which she has found?
Category: First-time buyer, Lower mortgage payments, Shared ownership, Special circumstances, Tax issues
Posted on 29 August 2007
I want to buy a house with my boyfriend costing £165,000. We have £10k saved up which will be used as a deposit and to pay off fees incurred. My problem is that i have just secured a teaching job (salary £20,133) but it is only a...
Category: First-time buyer, Lower mortgage payments
Posted on 29 August 2007
Our mortgage is up for renewal in August but in March/April we may be moving abroad for a year (if all goes well, indefinitely) and, as such, we want to rent out our flat. what is the best thing to do in this situation with...
Category: Buy-to-let, Remortgaging
Posted on 29 August 2007
I have an offset mortgage owing £122,000 left over the next 21 years. My monthly repayments are £900 on a variable rate mortgage. I want to sell the house but it does not look likely to sell as no-one has shown interest in it...
Category: Buy-to-let, Offset mortgages, Remortgaging
Posted on 28 August 2007
Trying to calculate how much i could borrow but it's saying something about not calculating it properly. Could you add these figures up and let me know how much I could borrow £18,000 and £12,000 over 15 years?
Category: Lower mortgage payments
Posted on 28 August 2007
I have just remortgaged my current property (which I do every 2 years). I have gone with a fixed rate repayment mortgage with the Nationwide. I initially signed up in February so got quite a good fixed rate deal. I had to wait...
Category: Remortgaging, Special circumstances
Posted on 28 August 2007
I am a civil servant currently working for Her Majesty's Courts Service, part of the Ministry of Justice. I understand that the government runs a 'key workers' mortgage scheme. Can you give me any information as to whether...
Category: Special circumstances
Posted on 22 August 2007
Hi Katie,I am in a debt management plan with the CCCS (all unsecured debt approx. £26,000). I have a £75,000 mortgage with Southern Pacific (it was a right-to-buy mortgage). My 2-year fixed rate mortgage finishes in Feb....
Category: Bad credit, Council houses, Remortgaging
Posted on 22 August 2007
Hi, I would like to invest in a flat in Berlin to rent out. I own property in London with no mortgage, 2 flats and a shop. How can I best release equity or obtain a German mortgage?
Category: Buying abroad, Equity release, Remortgaging
Posted on 22 August 2007
I am looking to remortgage an investment property in London value GBP 600,000 (350,000 loan) in Swiss Francs. I have 5 tenants in the property with individual tenancy agreements. Can you lend on this basis?
Category: Buy-to-let, Remortgaging, Special circumstances
Posted on 22 August 2007
I am a first time buyer in the process of a private sell on a house. We had a private survey done and the house is valued at £100,00. However, the seller is asking for £120,000. What would you say is the best...
Category: First-time buyer, Valuations, Freehold, leases & unusual property
Posted on 20 August 2007
What does rental cover mean?
Category: Buy-to-let, Let-to-buy, Special circumstances
Posted on 20 August 2007
Hi, I owe around £260k on my mortgage but my property is a 7-bed with swimming pool, bar, cinema, etc. I built the house out of my saving and it has been valued at around £800-900K by a local estate agent. I now want...
Category: Buy-to-let, Buying abroad, Remortgaging, Second properties, Self-build, Valuations, Freehold, leases & unusual property
Posted on 20 August 2007
Hi, I am looking at remortgaging at the end of my fixed rate and want a flexible loan, but dont know whether to go for repayment or interest only, and overpay. The loan is for £130,000 fixed at 6.39% for 15 years with...
Category: Interest only vs repayment, Lower mortgage payments, Overpayments, Payment Holdays, underpayments, Borrowback, Remortgaging
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.
Categories
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- Tax issues (9)
- Temporary employment (2)
- The application process explained (10)
- Trusts (1)
- Unsecured loans (3)
- Valuations, Freehold, leases & unusual property (14)
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