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 4 May 2008

Bit of a convoluted question but I hope you can help...! I am a first time buyer and I'm considering a shared ownership type arrangement with a family friend who is looking to invest in property. Would it be possible for us to...

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Category: First-time buyer, Guaranteeing & buying with child, Shared ownership


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...

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Category: Guaranteeing & buying with child


Posted on 1 March 2008

Are there any lenders who would allow me to raise a mortgage of up to £150,000 in my name only with my father as a guarantor? Although retired, he has no mortgage and can prove an income of £38,000 and myself of £21,000. Both of...

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Category: Guaranteeing & buying with child


Posted on 18 October 2007

Hi l want to assist my son to purchase a house, could we buy a property jointly and combine our salaries to obtain a mortgage?

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Category: First-time buyer, Guaranteeing & buying with child


Posted on 8 October 2007

I wish to take out a mortgage my father’s property for 50% of its value so he can use the money to buy another property with his partner which would leave me only living in the first property. My father owns this property...

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Category: Guaranteeing & buying with child, Mortgages in retirement


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