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 16 May 2008
My mother had a fall recently and after several weeks in hospital she is now staying with me as I live in a bungalow. We are very overcrowded so it is not an ideal situation. Her house is on the market for 89950 which is a...
Category: Mortgages in retirement, Raising capital out of property, Special circumstances
Posted on 25 February 2008
We would like to buy a house to renovate. Would a bridging loan be suitable? Or are we wasting our time applying? We currently have a mortgage with the Nationwide but we wanted to do this as a separate entity without releasing...
Category: Raising capital out of property
Posted on 18 February 2008
I currently own outright a property worth £165,000. I earn between £35,000-£40,000 per annum and am looking to obtain a BTL property. I could command about £400-£450 a month in rent for the location and would like this to pay a...
Category: Buy-to-let, Raising capital out of property
Posted on 9 February 2008
We have planning permission to pull our house down and build 3 instead. Can I raise a mortgage on the existing house to fund the development (we have no mortgage at present)? If so, what % of the existing house value could I...
Category: Raising capital out of property
Posted on 8 February 2008
Hello there, I have inherited a property that needs a considerable amount of work and funding. I am trying to work out whether to borrow money against my own property or the house I have inherited? The collateral in my house is...
Category: Raising capital out of property
Posted on 8 February 2008
Hi Katie, my husband and I have just recently moved back from the South of France, we have bought a property with no mortgage but we need to up date the kitchen, bathroom etc. Is it possible to get a small mortgage of about...
Category: Raising capital out of property
Posted on 21 January 2008
My husband and I would like to buy a property to renovate. We own a house worth £300,000 with a £25,000 mortgage on, its less than that now it was 25 when we took it out 3 years ago. Between us we take home about £32,000 a year....
Category: Raising capital out of property
Posted on 17 January 2008
My partner purchased a house 3 1/2 years ago for £180,000. He had a mortgage of £90,000 and the remainder of the money was invested by a friend. We have 18 months left before we have to "give back" the investment money to the...
Category: Raising capital out of property, Shared ownership
Posted on 26 September 2007
Will it be possible for me to buy out my husband? I am 53 and work as a nurse. How do people decide the price that you have to pay to buy out.
Category: Raising capital out of property, Separation or Divorce
Posted on 26 September 2007
My wife and me are currently building a second home which we intend to let out to her parents. My wife is 51 and I am 57, both intend retiring at 65. Our current property mortgage finishes in March 2008 and the property is worth...
Category: New build, Raising capital out of property
Posted on 24 September 2007
I have 240K equity in my flat which I want to release to buy a second property that I will live in. I would rent the current property out. My property has been valued at £300-£320.00K. The current mortgage is £60K The rental...
Category: Buy-to-let, Raising capital out of property, Tax issues
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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- Overpayments, Payment Holdays, underpayments, Borrowback (13)
- Raising capital out of property (11)
- Remortgaging (50)
- Second properties (13)
- Secured loans (8)
- Self-build (8)
- Self-certification (8)
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- Shared ownership (8)
- Special circumstances (29)
- State benefits (1)
- Tax issues (9)
- Temporary employment (2)
- The application process explained (10)
- Trusts (1)
- Unsecured loans (3)
- Valuations, Freehold, leases & unusual property (14)
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