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 30 January 2008
We own a shop and live in the flat above. We have a commercial mortgage. The property is split approx 65% residential to 35% business. Is it possible for us to change from a commercial mortgage to a residential or split it into 2...
Category: Commercial, Valuations, Freehold, leases & unusual property
Posted on 30 January 2008
I want a repayment mortgage of 46k over 6 years. I am looking at a daily calculated interest mortgage and an annually calculated one. Is there a way to calculate how much more the annual version will be over the 6 years, given...
Category: Special circumstances
Posted on 28 January 2008
We have an interest only mortgage of £25000 with 18 months left of our 25 year term. We also have a repayment mortgage on the same property with £8489.00 owing over 4 years. Our endowment policy will not meet the £25,000 target...
Category: Interest only vs repayment, Mortgages in retirement
Posted on 28 January 2008
Hi My wife and I lived and worked abroad for over 12 years, we moved back to the UK in 2004 we have adverse credit rating because of not living in the UK and during the 18 months we had a few financial hiccups, we left the UK in...
Category: Buying abroad
Posted on 28 January 2008
We are looking to emigrate by July. With the housing market being so slow we are starting to panic. Do you have any suggestions for us if we cannot sell our property by that time?
Category: Buying abroad
Posted on 28 January 2008
If I took out a interest only mortgage say of £142,000 over 22 years and was allowed to pay an extra 10% a year if I paid the extra each month as if it was a repayment mortgage and never missed a payment would the extra money...
Category: Interest only vs repayment
Posted on 28 January 2008
Is there any difference between a mortgage calculated daily or monthly?
Posted on 24 January 2008
Hi Katie, myself and husband are looking to move house at present and have found a house in a much better area than where we currently live (schools mainly the issue where we are). Our house is currently on the market for £280k...
Posted on 24 January 2008
Myself and my partner are trying to get a sub prime mortgage of 95% is this possible? The deposit comes from my partners work as a long service pay award, would this be an acceptable form of deposit?
Category: Bad credit
Posted on 24 January 2008
My fixed rate mortgage has just finished. I have some unsecured debt problems but have a debt management plan with CCCS. The best deal I am being offered is 7,44% fixed for 2 years. Given my circumstances and the current...
Posted on 24 January 2008
I'm 27 and earn £17,500 my partner earns £20,000 my partner wants us to buy a house together, I would love to but unfortunately was stupid when I was younger and have bad credit as a result, we have £10,000 deposit and would like...
Category: Bad credit
Posted on 22 January 2008
I am a UK resident living in Mexico. I wish to buy property in Mexico. I do not own a property in the UK and I am unable to get a mortgage in Mexico since I have not lived here for 5 years. Could you advise me on a suitable...
Category: Buying abroad
Posted on 21 January 2008
My husband and I would like to buy a property to renovate. We own a house worth £300,000 with a £25,000 mortgage on, its less than that now it was 25 when we took it out 3 years ago. Between us we take home about £32,000 a year....
Category: Raising capital out of property
Posted on 18 January 2008
I currently own a home worth £171K and have a mortgage of £60K left to pay off. I am looking to buy another property on a buy to let. My Salary is 38K but I would need to borrow £170K to buy the house. All the mortgage...
Category: Buy-to-let, The application process explained
Posted on 17 January 2008
Hi Katie, we have a London flat, with only £5,000 mortgage outstanding with a current market value of £450,000. We would like to buy a house property for £700,000. My partner and I have an income of £75,000 pa and no other debts....
Category: Second properties
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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- Current rates & the market (15)
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- First-time buyer (27)
- Fixed or Variable? (9)
- Foreign Currency or foreign tracking rate mortgages (6)
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- Interest only vs repayment (12)
- Legal matters (3)
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- Mortgages in retirement (20)
- New build (3)
- Offset mortgages (9)
- Overpayments, Payment Holdays, underpayments, Borrowback (13)
- Raising capital out of property (11)
- Remortgaging (50)
- Second properties (13)
- Secured loans (8)
- Self-build (8)
- Self-certification (8)
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- Shared ownership (8)
- Special circumstances (29)
- State benefits (1)
- 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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