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 April 2008
Could you explain the difference between a discount tracker and a variable rate tracker?
Category: Fixed or Variable?
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
Hi Katie, I'm coming to the end of my fixed rate deal and have the choice of another 3 year fixed rate (5.99%), a 3 year variable discounted rate (5.79%) or a 3 year tracker (5.74%). What would you advise to be the best one to go...
Category: Fixed or Variable?
Posted on 17 January 2008
I am currently resetting my mortgage and am drawn towards fixing for 3 years at 5.89%. Do you think this is advantageous under the current and potential climate or would you consider a lifetime tracker of 0.47% above base. Thank...
Category: Fixed or Variable?
Posted on 8 January 2008
My fixed rate mortgage stops at the end of March. I want to find the cheapest interest rate. Which is better a 2 or 5 year? Is the interest rate going up or down?
Category: Current rates & the market, Fixed or Variable?, Remortgaging
Posted on 11 October 2007
My 2 yr fixed rate mortgage with Nationwide ends in March 2008 (4.84%). I am looking to take out a 5 yr fixed rate mortgage yet cannot decide when to reserve it. with the lowest fixed rates at about 5.6% it is tempting to reserve...
Category: Fixed or Variable?, Lower mortgage payments, Remortgaging
Posted on 4 October 2007
What is the feeling regarding the bank of England interest rate, is it expected to rise over the coming 6 months due to US problems and the fact the government will want us to save? I am currently considering a tracker. Please...
Category: Fixed or Variable?
Posted on 3 October 2007
I need to change my mortgage, and would be interested in your advice as to whether I should go for a fixed rate or variable rate, based on current market conditions.
Category: Fixed or Variable?
Posted on 16 September 2007
I really need your impartial advice, First National Home Finance via Pink Home Lenders have agreed to provide me 3 year fixed rate mortgage @ 6.14% (re-mortgage). I believe when I initially applied the rate was only 5.5% and in...
Category: Fixed or Variable?, The application process explained
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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