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 October 2007
We have a house valued at £325,000 with an out standing mortgage of £40,000.We are now both retired and don't want to move. I am 67 with a pension of £10,000 pa. My wife has a pension of £8,000 pa.Would we be able to get an...
Category: Mortgages in retirement
Posted on 29 October 2007
Please can you Help. We have a £85,000 mortgage with the Abbey, fixed for another 6 months, and took out a loan for 25,000 with First Plus, what a mistake, to pay off credit cards etc. We now have to move with my husbands job. We...
Category: Buy-to-let, Remortgaging, Secured loans
Posted on 29 October 2007
If my house is mortgaged in my husbands name only can he transfer it to me or will i need to buy and re-mortgage the house in my name, how do i do that?
Category: Special circumstances
Posted on 29 October 2007
We intend to set up home in The Irish Republic, a few miles outside London Derry(NI). We are looking for a good deal (as usual) we recently sold our property in Northern Ireland, my business is in NI and income in sterling...
Category: Foreign Currency or foreign tracking rate mortgages
Posted on 29 October 2007
I want to buy a flat for my son. He is a student with no real income so I would act as Guarantor. I run a business which had a good year last year but sales 2007 to date are down making me think a self cert is best. Whats the...
Category: Self-certification
Posted on 25 October 2007
Hi, I owe around £260k on my mortgage but my property with 7 beds, swimming pool bar, cinema, etc (i built the house out my saving) has been valued around £800-900K by a local estate agent, but i now want to buy a property in...
Category: Buying abroad, Foreign Currency or foreign tracking rate mortgages
Posted on 22 October 2007
I’ve recently separated from my girlfriend shortly after we bought a house together via a joint mortgage. The reason for the separation was because of domestic violence from her against me. The repayments were set up to go out of...
Category: Separation or Divorce
Posted on 21 October 2007
My mother in law purchased a £120.000 property with her daughter after her husband died. My mother in law paid 60% cash outright and sister in law has a mortgage for the remainder. They are now not getting along and the daughter...
Category: Legal matters
Posted on 20 October 2007
I am 50, wish to buy my husband out of marital home as we are separating. Property mortgage free.value £160,000. Loan required £80,000. Can I apply for a buy to let mortgage to purchase amount of rental earning required? What...
Category: Buy-to-let
Posted on 19 October 2007
Hello, I bought a 25% (£80000) stake in a shared ownership property 5 years ago which was valued then at £320000. I'm remortgaging shortly as the 5 year fixed rate mortgage period is ending. I have a faultless payment record and...
Category: Shared ownership
Posted on 18 October 2007
Hi l want to assist my son to purchase a house, could we buy a property jointly and combine our salaries to obtain a mortgage?
Category: First-time buyer, Guaranteeing & buying with child
Posted on 18 October 2007
Most of your mortgage deals require valuation. If I have a recent valuation would it be accepted by the bank so I don't have to pay valuation fee twice? Who could advise me about this when it comes to buy a product through...
Category: Remortgaging
Posted on 16 October 2007
I have just found out from my widowed mother in law that she is still paying for a mortgage on her house and she's 76. It appears my father in law took out a mortgage called a life time mortgage with the Halifax and no life...
Category: Interest only vs repayment
Posted on 15 October 2007
I own a house, that has previously been granted planning permission on the side/garden land for a two storey extension. This elapsed but I've now submitted plans again for 3 x 2 bed flats. I have £175,000 outstanding...
Category: Self-build
Posted on 15 October 2007
I have a debt plan with CCCS. i owe 52k and have made regular payments for a year but 2 creditors are saying they are to take court proceedings for the amount i owe them. i am in the midst of divorce proceedings and need to find...
Category: Bad credit
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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- Overpayments, Payment Holdays, underpayments, Borrowback (13)
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- Secured loans (8)
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- State benefits (1)
- Tax issues (9)
- Temporary employment (2)
- The application process explained (10)
- Trusts (1)
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- Valuations, Freehold, leases & unusual property (14)
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