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 8 May 2008
I have a house in my sole name on the market for £350,000 with £130,000 left on the mortgage. In the current climate it's not shifting. We don't want to lose the house we want to buy which we have agreed a fee of £440,000 for. I...
Category: Let-to-buy
Posted on 29 April 2008
I want to buy a new home. I have a £159k mortgage on a house which is not selling at the moment and the rental figures for this house won't cover 125 % of the mortgage payments. I also have a holiday house in Scotland with no...
Category: Current rates & the market, Let-to-buy
Posted on 29 April 2008
My partner and I currently have a joint mortgage with Nationwide. Our property is worth approximately £200K. The outstanding balance is we owe is £130K. Our total take home salaries amount to £60K.
Category: Buy-to-let, Let-to-buy
Posted on 5 February 2008
Hi, I currently have a 5 year fixed residential repayment mortgage with the Nationwide. Back in October, due to personal circumstance and the possibility of losing my job, I rented out my house and moved in with my parent until I...
Category: Buy-to-let, Let-to-buy
Posted on 14 December 2007
We have a London flat, (no mortgage outstanding) currently on the market @ £1.5million. We have made an offer of £455,000 on a leasehold (113 years) flat in Bath. I am 78 my wife 79, our joint pension amounts to £50,000 pa. Would...
Category: Let-to-buy, Mortgages in retirement
Posted on 4 October 2007
Our house is nearly mortgage free (£20K left with virgin one) and it's market value is £525K. My son has started working and earns £35K, we are thinking of moving to a bigger house near his work but want to keep our existing...
Category: Let-to-buy, Remortgaging
Posted on 1 October 2007
I currently have a 2 bed flat with a mortgage on it. I would like to buy a house with my partner and let my flat to cover the current mortgage on that. What kind of products should I look for, will I need to change my existing...
Category: Buy-to-let, Let-to-buy
Posted on 20 August 2007
What does rental cover mean?
Category: Buy-to-let, Let-to-buy, Special circumstances
Posted on 13 August 2007
We own a flat outright which is currently rented. Is it possible to get a buy-to-let or let-to-buy mortgage as we wish to buy a property in Portugal? We also own outright an apartment in Portugal.
Category: Buying abroad, Let-to-buy
Posted on 23 July 2007
I currently own a house with a fixed mortgage in london. I have recently bought another flat off plan with a friend which I am intending to live in and rent my own house out. Just wondering what mortgages are available and how I...
Category: Let-to-buy, 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.
Categories
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