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 January 2008

Hi Katie, the interest rate on mortgages on the continent, i.e. in Germany, is a lot lower than in the UK. I have read in the Guardian that Charcol also offers Euro-based residential mortgages or mortgages linked to the Swiss...

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Category: Foreign Currency or foreign tracking rate mortgages


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...

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Category: Buying abroad, Foreign Currency or foreign tracking rate mortgages


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...

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Category: 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...

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Category: Buying abroad, Foreign Currency or foreign tracking rate mortgages


Posted on 8 October 2007

I have a 15 year repayment euro (500k euros) Spainish mortgage in Spain and receive around £50k pa rental income on the property. This just about covers costs but I want to explore other options. The property is worth around...

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Category: Foreign Currency or foreign tracking rate mortgages


Posted on 29 September 2007

How feasible is to take out a 100% mortgage via a UK lender on a property in Portugal?

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Category: Buying abroad, Foreign Currency or foreign tracking rate mortgages


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