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 5 March 2008
Hi Katie, I am moving house. My partner and I have an interest only mortgage of £161,000 and pay £550 per month into an ISA. We think we will increase our mortgage to around £210,000. How much should we increase our ISA payment...
Category: Special circumstances
Posted on 9 February 2008
My friend and I would like to take out a joint mortgage but we have unequal sums for the initial deposit. Is there a common formula used for working out the proportion of profit each is entitled to on sale of the property based...
Category: Special circumstances
Posted on 30 January 2008
I want a repayment mortgage of 46k over 6 years. I am looking at a daily calculated interest mortgage and an annually calculated one. Is there a way to calculate how much more the annual version will be over the 6 years, given...
Category: Special circumstances
Posted on 7 January 2008
Dear Katie, we own a bungalow valued between £350,000 - £400,000, with a mortgage of £190,000. We wish to borrow another £50,000 to complete renovations and for me to take time out to have a baby without worrying about mortgage...
Category: Special circumstances
Posted on 6 January 2008
I have a tracker mortgage at present, so during the recent years the payments have increased. I've just been told that due to the latest interest rate drop my payments have dropped to £808 pm. When the rates were last at 5.5%, my...
Category: Lower mortgage payments, Special circumstances
Posted on 17 November 2007
My friend and I want to buy a flat together. We found a flat for £173,000 and are looking for a mortgage. The only problem is that she is here on a work permit(5 years) - she has completed 1.5 years with 3.5 years left - kindly...
Category: Special circumstances
Posted on 29 October 2007
If my house is mortgaged in my husbands name only can he transfer it to me or will i need to buy and re-mortgage the house in my name, how do i do that?
Category: Special circumstances
Posted on 28 September 2007
I need to borrow £75k to complete on a property costing £720k and I require a further £45k facility to draw down on. The property was a vicarage built in c1870 and currently has D1 commercial offices use. After purchase I shall...
Category: Commercial, Self-build, Special circumstances
Posted on 7 September 2007
I would like to bid for a property in an auction occuring in one week's time. I have no mortgage offer currently in place. My girlfriend and I are first-time buyers. Is this too short a time scale?
Category: First-time buyer, Special circumstances
Posted on 7 September 2007
I am enquiring about a multi currency mortgage of £420,000 on £525,000 property. I just want some information at this stage.
Category: Special circumstances
Posted on 4 September 2007
I am about to embark as a trainee solicitor with a law firm. My salary in the first few years will be low. Currently I earn £30,000. I would like to borrow c. £175,000 and I have a deposit of about £15,000. My parents might be...
Category: First-time buyer, Lower mortgage payments, Special circumstances, Tax issues
Posted on 4 September 2007
I recently applied for a mortgage on an apartment I was intending to let out but rather naughtily, did not take out a buy-to-let mortgage, in order to get a better rate and minimise the fees. The mortgage provider discovered this...
Category: Bad credit, Buy-to-let, Special circumstances
Posted on 1 September 2007
My partner and I live in a flat which he has a mortgage on. We are planning to buy a house and rent the London flat. Do we have to get a buy to let mortgage on the flat? I've heard that the interest rates are higher than standard...
Category: Buy-to-let, Lower mortgage payments, Special circumstances
Posted on 29 August 2007
My daughter is a nurse, 27, single and working in London. Annual income I believe to be £25,000, no significant loans or credit card debts. Are there any mortgage options available to her for a £180,000 flat which she has found?
Category: First-time buyer, Lower mortgage payments, Shared ownership, Special circumstances, 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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- Mortgages in retirement (20)
- New build (3)
- Offset mortgages (9)
- Overpayments, Payment Holdays, underpayments, Borrowback (13)
- Raising capital out of property (11)
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- Second properties (13)
- Secured loans (8)
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- The application process explained (10)
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- Unsecured loans (3)
- Valuations, Freehold, leases & unusual property (14)
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