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 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
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 10 February 2008
Dear Katie, we would very much appreciate your advice and sign posting for the following enquiry: We have a property in the UK worth £205,000 with the outstanding mortgage of £96,000 which leaves roughly £110,000 in equity. We...
Category: Buying abroad
Posted on 5 February 2008
I am a British citizen currently (and indefinitely) resident in Germany. I have no British income, apart from rent on my London property. I would like to buy a property in Germany, but I need a deposit of approx £25,000. Could I...
Category: Buying abroad
Posted on 1 February 2008
I am a German citizen but UK resident, living and working in London for many years. I am looking into buying a property in Germany and would like to take out a UK mortgage. While many UK banks offer oversea mortgages they seem...
Category: Buying abroad
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 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 2 January 2008
I have a property in the UK with a maximum of £25,000 equity available. I am interested in purchasing a long term leased flat in Germany for around £70,000. I'm hesitant to try and get a mortgage in Germany for this using my UK...
Category: Buying abroad
Posted on 19 November 2007
We bought an old property in Italy in 2003, renovated and added a new extension. Its currently valued at 250,000 Euros but no mortgage, and we would like to repeat the process with another property. We have the contacts and...
Category: Buying abroad, Foreign Currency or foreign tracking rate mortgages
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 4 October 2007
I want to buy a property abroad to get on the property ladder. Can I have a mortgage abroad as well as in the UK?
Category: Buying abroad
Posted on 29 September 2007
How feasible is to take out a 100% mortgage via a UK lender on a property in Portugal?
Category: Buying abroad, Foreign Currency or foreign tracking rate mortgages
Posted on 1 September 2007
I have an apartment in Dubai valued at around £70,000. It should be rented out soon at around £500 per calendar month. Am I able to remortgage through Charcol. I have heard that you have a union with National Bank of Dubai. There...
Category: Buying abroad, Remortgaging
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
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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