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 15 March 2008
At present, I own a property worth approx £130,000 with a fixed rate interest only mortgage of 4.79% (fixed for the next 3 years) of £45,000 with the Nationwide. I also have 2 endowments with Legal & General & Norwich Union to...
Posted on 14 March 2008
My boyfriend and I split up a year ago. We have three children together. The house is owned by both of us. He has now stopped paying maintenance by going on the sick. I think i am going to have to have my home repossessed. Will...
Posted on 13 March 2008
I am separating from my husband. We have a £145,000 mortgage and my annual salary is £23,000. My monthly repayments are £700 and I normally bring home about £1400. I could afford to do it and rent a room, but would they let...
Posted on 10 March 2008
According to different mortgage packages, will the repayment of the capital be at the same time scale (even though the actual monthly repayment amount and TAR will differ)? i.e. will the equity of a property appreciate at the...
Category: Current rates & the market
Posted on 7 March 2008
We own 50% of a flat worth £320k (ie £160K) and our mortgage is £60K. We'd like to sell the flat and buy a property worth £380k but I'm currently taking a year off work to study. I'm earning just £18K until September when I...
Category: Self-certification
Posted on 7 March 2008
Our current fixed rate will be ending in June. We have two endowment policies which are no longer linked to our mortgage and were wondering whether it would be advisable to surrender them (they're currently worth around £36000)...
Category: Endowments
Posted on 7 March 2008
I am looking at a commercial venture into the USA, a 10 room B&B with inn and tavern attached. I have two properties in the UK to sell to provide some financing but need to source the rest. The venture in the USA has a gross...
Category: Buying abroad
Posted on 6 March 2008
I'm going through a divorce and am unemployed, but want to return to work after college in 2-3 years. I have a joint mortgage and upon sale of the house will have a large deposit for purchase of new home. My parents are retired...
Category: Guaranteeing & buying with child
Posted on 6 March 2008
We have seen a property for sale in Germany, which we would use for holidays and as a long term investment. We have had our offer accepted and could raise a mortgage as our property is worth £190,000, with £4,000 debt left on it....
Category: Buying abroad
Posted on 5 March 2008
We have a 2 bed flat on the market at £225,000. We have an interest only mortgage and need to pay back £161,000. We were looking to sell the property to pay off our other loans & credit cards (approx £23,000), invest some in a...
Category: Buy-to-let
Posted on 5 March 2008
Hi Katie, I currently own a property worth £250,000 which I have planning permission to convert into 2 offices with a 2 bedroom flat and build a 3 bedroom house in the garden. I currently have a £150,000 mortgage balance on the...
Category: Self-build
Posted on 5 March 2008
My current mortgage runs out on May 1st. What do you suggest I do? Should I go for fixed again or a tracker? With rates due to fall, would this be the best option?
Category: Fixed or Variable?
Posted on 5 March 2008
I've heard about the 125% mortgage being fazed out. I'm a first time buyer without a deposit and no chance of really raising one, however I want to get on the property ladder asap as I'm wasting my money on rent! What are the...
Category: First-time buyer
Posted on 5 March 2008
Hi Katie, I am moving house. My partner and I have an interest only mortgage of £161,000 and pay £550 per month into an ISA. We think we will increase our mortgage to around £210,000. How much should we increase our ISA payment...
Category: Special circumstances
Posted on 5 March 2008
Hi Katie, I started a 10 year fixed rate mortgage in September 2007. My mortgage is for £156,000. My fixed rate is 4.92%. How much would I need to pay additionally each month so that the mortgage would be paid up at the end of...
Category: Lower mortgage payments
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)
- Raising capital out of property (11)
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- Tax issues (9)
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- The application process explained (10)
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- Valuations, Freehold, leases & unusual property (14)
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