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 7 March 2008
We own 50% of a flat worth £320k (ie £160K) and our mortgage is £60K. We'd like to sell the flat and buy a property worth £380k but I'm currently taking a year off work to study. I'm earning just £18K until September when I...
Category: Self-certification
Posted on 29 October 2007
I want to buy a flat for my son. He is a student with no real income so I would act as Guarantor. I run a business which had a good year last year but sales 2007 to date are down making me think a self cert is best. Whats the...
Category: Self-certification
Posted on 1 October 2007
Please can you give me some info on Mortgages for the Self Employed, my husband has recently set up his own business, 9 months ago and we currently have a mortgage that was secured with his previous job, if we were to move in the...
Category: Self-certification, The application process explained
Posted on 17 September 2007
I would like to remortgage my house, it is worth £175,000 and I would like to borrow £150,000. My husband and I have separated. He doesn't want anything from the house but has left some debt that's in my name. I have 3 children,...
Category: Self-certification
Posted on 3 August 2007
I need to borrow some money roughly, £10,000 to do some home improvements on my property that i own outright (value around £190,000). I am 48 so not sure if i should take out a secured or unsecured loan as I'm on a...
Category: Remortgaging, Secured loans, Self-certification
Posted on 3 August 2007
Hi Katie
At present my mortage is with B&B and it is for £110K, I recently had a walk through valuation and was told it was worth between £450 and £500K. I would like to raise another £90K but for reasons that I won't go into I...
Category: Remortgaging, Self-certification, Valuations, Freehold, leases & unusual property
Posted on 20 July 2007
My husband has a trust deed that we want to split up as he says that I can keep the house. That means i would have to find a mortgage in my name only - can this be done with him having the trust deed? I want to stay in the...
Category: Self-certification, Trusts
Posted on 11 July 2007
My husband and I are currently splitting up and about to sell the house. I work part time and have one main job and two casual jobs. A friend told me about the self-certification mortgage. Could you tell me how this morgage works...
Category: Self-certification
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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