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 5 March 2008
Dear Katie, I am buying my flat. I owe £29,000 roughly on the mortgage, but I also have debts of about £30,000. The flat will be mine in February 2009 and the endowment is stacking up to meet the commitment and a little more. My...
Category: Second properties
Posted on 19 February 2008
We have a house valued at £350,000 and owe £60,000. We would like to buy a property in Crete for £175,000. We are 61 & 63. What is the best way to do it?
Category: Second properties
Posted on 4 February 2008
I currently have a joint mortgage with my parents which is £165k. My salary is £25k and my parents salary is £35k. The property is valued at £450k and we have a borrowing agreement with our lender of upto £300k. We have used some...
Category: Buy-to-let, Second properties
Posted on 17 January 2008
Hi Katie, we have a London flat, with only £5,000 mortgage outstanding with a current market value of £450,000. We would like to buy a house property for £700,000. My partner and I have an income of £75,000 pa and no other debts....
Category: Second properties
Posted on 6 January 2008
Hi Katie, my wife and I own outright a property worth around £250,000. I am 55, my wife is 47 and we are both in work. We would like to buy a flat for our daughter to live in whilst completing her studies. We have never had a...
Category: Second properties
Posted on 5 November 2007
I own a property (Let at £650 per month) worth approx £190,000 with outstanding interest only mortgage of £48,000. I would like to purchase another property worth approximately £140,000 which I would let to my son with his rent...
Category: Buy-to-let, Second properties
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 5 October 2007
I currently have a property with a residential mortgage in my name only and rented out with lenders permission. Would like to buy a property in the North West soon. Would it be possible to get a residential mortgage in my wife's...
Category: Second properties
Posted on 28 September 2007
Hi Katie, complicated one for you....!
I own 2 buy to let properties, and have had enough with being a part time landlord. I have decided to sell one (I would rather keep one, as my pension!) to fund purchasing at auctions to...
Category: Overpayments, Payment Holdays, underpayments, Borrowback, Second properties
Posted on 7 September 2007
We have a flexible mortgage owing £127,000 left over 13 years monthly repayments of £1,241.00. We have had our house on the market for some months and it has not sold. We have found a property we would love to buy for £315k. What...
Category: Bridging loans, Buy-to-let, Lower mortgage payments, Second properties, Valuations, Freehold, leases & unusual property
Posted on 1 September 2007
I am a UK citizen living and working overseas. I already have a UK property with no mortgage. I would like to buy another. Who can provide me finance? I am also a Citibank customer.
Category: Second properties
Posted on 20 August 2007
Hi, I owe around £260k on my mortgage but my property is a 7-bed with swimming pool, bar, cinema, etc. I built the house out of my saving and it has been valued at around £800-900K by a local estate agent. I now want...
Category: Buy-to-let, Buying abroad, Remortgaging, Second properties, Self-build, Valuations, Freehold, leases & unusual property
Posted on 20 August 2007
We are buying a second property that we wish to extend and then move into. The money for this purchase is secured on our current property which we have virtually no mortgage on and we do not wish to sell until after the...
Category: Remortgaging, Second properties, 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
- 100%+ borrowing (6)
- Bad credit (19)
- Bridging loans (3)
- Buy-to-let (35)
- Buying abroad (20)
- Commercial (4)
- Consolidation of debts (9)
- Council houses (4)
- Current rates & the market (15)
- Endowments (1)
- Equity release (4)
- Ex-pats mortgaging in the UK (2)
- First-time buyer (27)
- Fixed or Variable? (9)
- Foreign Currency or foreign tracking rate mortgages (6)
- Guaranteed" home-buy schemes (1)
- Guaranteeing & buying with child (5)
- Holiday homes (2)
- Interest only vs repayment (12)
- Legal matters (3)
- Let-to-buy (10)
- Life assurance/ protection (1)
- Lower mortgage payments (42)
- Mortgages in retirement (20)
- New build (3)
- Offset mortgages (9)
- 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)
- Separation or Divorce (16)
- 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)
Archive
- October 2008 (14)
- September 2008 (10)
- August 2008 (12)
- July 2008 (6)
- May 2008 (21)
- April 2008 (13)
- March 2008 (39)
- February 2008 (33)
- January 2008 (35)
- December 2007 (17)
- November 2007 (9)
- October 2007 (49)
- September 2007 (35)
- August 2007 (37)
- July 2007 (28)