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 14 May 2008
We have just started making overpayments on our mortgage beginning with £10,000 off, continuing with £200-£500 a month hopefully. Is it better to reduce the term or reduce the mortgage payment amount but continue paying the...
Category: Offset mortgages, Overpayments, Payment Holdays, underpayments, Borrowback
Posted on 5 May 2008
You gave us some very good advice before. We have already been in touch with an adviser at your firm. He advised us to borrow the whole amount we need, around £150.000, with an Offset Mortgage and draw the amounts required for...
Category: Offset mortgages, Overpayments, Payment Holdays, underpayments, Borrowback
Posted on 26 February 2008
Katie, I'm considering an offset mortgage with a term of 14 years and a sum of £73,500. My wife and I have savings of £25,000. We earn bonuses which give us lump sums to reduce the debt further, approximately every 6 months...
Category: Offset mortgages
Posted on 8 October 2007
I own outright the property I live in (no mortgage) I would like to buy a smaller property to renovate and sell on, which mortgage is the best for me?
Category: Offset mortgages, Remortgaging, Second properties
Posted on 7 October 2007
I have an interest only mortgage of £110k at 6% and savings of £15k. Is it viable to use those savings as an 'offset' and pay 6.3% mortgage rate? I can keep the offset in ISAs.
Category: Offset mortgages
Posted on 29 August 2007
I have an offset mortgage owing £122,000 left over the next 21 years. My monthly repayments are £900 on a variable rate mortgage. I want to sell the house but it does not look likely to sell as no-one has shown interest in it...
Category: Buy-to-let, Offset mortgages, Remortgaging
Posted on 15 August 2007
Hi, would appreciate advice on what kind of mortgage to get. I am buying a £160,000 maisonette with a £100,000 deposit and should have about £15,000 left in savings. I would like to keep repayments low for at least 2 years...
Category: Lower mortgage payments, Offset mortgages
Posted on 24 July 2007
We currently have a £28,000 mortgage with Barclays its fixed rate is due to end soon. Would you advise us to use our £9,000 in mini-cash ISAs to offset the interest or look for another competitive fixed rate. We are...
Category: Offset mortgages
Posted on 12 July 2007
My wife and I have quite a significant investment saved in various stocks and shares ISAs (about a third of the value of our mortgage). Is it possible to use these equity-based ISAs to offset a mortgage? If so, is it a good...
Category: Offset mortgages
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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