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 18 September 2008
My partner and I are splitting up after a year and a half in a house that we bought. We pay half the mortgage each, and he paid the deposit. What happens to our mortgage? I think we might sell, although he might loose his deposit...
Category: Separation or Divorce
Posted on 16 September 2008
i have seperated from my hubby and we were going to put the house up for sale. it is valued at 102000. if i bought him out i would need a mortgage for 65000. my annual gross earnings before tax is 11000. would i be able to get a...
Category: Separation or Divorce
Posted on 11 September 2008
my husband & i are seperating however our home is part of a farming business that we have run together so we are unable to sell to split proceeds. (also the business is likely to be sold/developed in the next 5 years or so)rather...
Category: Separation or Divorce
Posted on 6 September 2008
my wife has left the home she wants half of the value of it, there is 3years left on my morgage to pay £34489.52,.i also have an endownment policy which is due to to make up the shortfall in 3years time ...
Category: Separation or Divorce
Posted on 12 August 2008
I am getting separated in Northern Ireland. We have a marital home plus 3 other properties. We have 2 kids (10 and 6) and were married 16 years. I agreed that she can stay in the marital home and get 60% of the value of the...
Category: Separation or Divorce
Posted on 9 August 2008
My husband and I are in the process of separating. We have tried selling the family home but it has fallen through twice and is unlikely to sell. I am paying all the mortgage, which I find difficult on my low salary. My husband...
Category: Separation or Divorce
Posted on 24 April 2008
I am 41 and getting divorced. The family home is worth £285,000 but is difficult to sell. I have an interest only small mortgage of £1,100 per month as my mum lent us £115,000. I have a new well paid job of £75,000 +pa and need...
Category: Separation or Divorce
Posted on 17 February 2008
I have an existing joint mortgage with my wife, however she pays the mortgage each month. We have separated and I am looking to buy another property. Will I be able to get another mortgage even though I am still named on the...
Category: Separation or Divorce
Posted on 16 January 2008
Hi Katie, my partner and I have separated happily.
The only trouble is that I own the house that we both live in with our two kids. I would love for them to stay in the house, but I would like some of the equity out of the...
Category: Separation or Divorce
Posted on 10 December 2007
I bought my house in 1987 for £20,500. When my wife moved in ten years later the value went up to £55,000, is this £35,000 mine or is it to be split between us with the other equity occurred over the next 10/11 years? She has...
Category: Separation or Divorce
Posted on 15 November 2007
I recently bought a flat with my partner and now just 4 months down the line we have split. I own 50% of the property, my partner 41% and his sister 8.85%. This is because we were required to put down a 15% deposit and I had only...
Category: Separation or Divorce
Posted on 10 November 2007
A friend of mine has just split up with her boyfriend and they are going to sell the property. They have just bought a new mortgage deal and are tied in for a fixed period. He would like to continue the mortgage by buying a new...
Category: Separation or Divorce
Posted on 22 October 2007
I’ve recently separated from my girlfriend shortly after we bought a house together via a joint mortgage. The reason for the separation was because of domestic violence from her against me. The repayments were set up to go out of...
Category: Separation or Divorce
Posted on 13 October 2007
Me and my partner split after his affairs (he walked out). He has refused to pay his half of the mortgage for at least 6 months. It is a joint mortgage. He wants half the equity when we sell the house. Can I claim back his half...
Category: Legal matters, Separation or Divorce
Posted on 4 October 2007
Me and my boyfriend have recently split up and we own a house together. I had the house 18 months prior to him coming onto the mortgage with me. I have had to move out as there was domestic violence involved and i am maintaining...
Category: Separation or Divorce
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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