http://www.charcol.co.uk/ Ask the Experts is provided by Charcol en http://www.charcol.co.uk/fileadmin/templates/images/favicon.ico http://www.charcol.co.uk/ Ask the Experts is provided by Charcol TYPO3 - get.content.right http://blogs.law.harvard.edu/tech/rss Fri, 26 Feb 2010 13:36:07 +0000 http://www.charcol.co.uk/knowledge-resources/ask-the-experts/article/view/change-to-our-website/4297/ Why have you changed your website son that it is no longer possible for me to do my own research into what products are available without having to be pestered by a mortgage adviser. I don't want to be 'pressurised' in the early stages of my research. kmg1951@hotmail.co.uk Fri, 26 Feb 2010 13:36:07 +0000 http://www.charcol.co.uk/knowledge-resources/ask-the-experts/article/view/a-mortgage-with-1-year-of-accounts/4285/ Hey there, Me and my partner are looking to get a mortgage. My partner is an electrician and we only have 1 year of accounts. He has been an electrician for the past 12 years and has a mixture of CIS and PAYE for previous years. We have a good deposit and we are looking to borrow up 235000. Can you help? Mary dalymmary@live.co.uk Wed, 24 Feb 2010 14:44:03 +0000 http://www.charcol.co.uk/knowledge-resources/ask-the-experts/article/view/separation-and-mortgage-payments/4283/ I have been separated for a little over 2 years. In the beginning my ex would help me with the mortgage, for the last 6-8 months he has not helped to pay the mortgage, and i have been paying the mortgage on my own, would i get reimbursed for the months that i paid the mortgage, we do have a separation agreement which states that he is to pay the mortgage in full until the sale of the house. rosevargas@sympatico.ca Wed, 24 Feb 2010 02:13:44 +0000 http://www.charcol.co.uk/knowledge-resources/ask-the-experts/article/view/mix-and-match-mortgage-solution/4279/ We do not have a mortgage on our current property (value approx £210,000) but to secure the house we want we may need to be in a position to proceed before we sell. We have a further £100,000 cash to put down as a deposit but want to know if there is anyway to get a mortgage where we can pay off £150,000 immediately on the sale of ours with the remaining £200,000 on a 20 year mortgage. ccollins@jackel.co.uk Tue, 23 Feb 2010 11:34:07 +0000 http://www.charcol.co.uk/knowledge-resources/ask-the-experts/article/view/nhs-specific-enquiry-zero-contracted-hours/4277/ Hi there I have been a qualified nurse for 6 months and have a permanent contract with an NHS nursing agency based on zero contract hours. i work full time and guaranteed full time hours. I am currently on £22,000 a year. my partner is just recently self employed and works part time with a security company. Are there any lenders out there who give mortgages to people who are on zero contracted hour contracts through the NHS? Thanks Claire claire100882@yahoo.co.uk Sun, 21 Feb 2010 19:59:01 +0000 http://www.charcol.co.uk/knowledge-resources/ask-the-experts/article/view/is-my-brother-entitled-to-anything/4273/ Please can you advise me. My brother and his girlfriend went for a mortgage and my brother was refused, so they checked my father out and said he could have it. However my brother's girlfriend decided she would just get it in her name. But, my brother paid the deposit by cheque and gutted the house from top to bottom, new central heating, windows etc. so much so that they didnt have to pay council tax for a year now the have seperated and she says he is not entitled to anything. Is this true? kerrybrown04@aol.com Fri, 19 Feb 2010 17:05:05 +0000 http://www.charcol.co.uk/knowledge-resources/ask-the-experts/article/view/when-bridging-finance-may-be-the-answer/4271/ We want to buy a bungalow for £184,000. We own our home valued at £229,000. Our buyers have pulled out at the last minute and we do not want to lose the bungalow is there a way we can raise funds using our own home? My husband is retired aged 71 I am in full time employment aged 61 f.satterthwaite@ntlworld.com Fri, 19 Feb 2010 12:02:34 +0000 http://www.charcol.co.uk/knowledge-resources/ask-the-experts/article/view/can-i-have-a-guarantor-on-a-mortgage-who-is-based-abroad/4269/ Hi, Can my mother who works and lives abroad be allowed to be a guarantor for my mortgage? sc.24@hotmail.co.uk Thu, 18 Feb 2010 00:13:41 +0000 http://www.charcol.co.uk/knowledge-resources/ask-the-experts/article/view/seek-tax-advice/4265/ i own a house and want to buy a flat. Are there tax advantages in putting it in my child's name? charlie.clarke-jervoise@lovells.com Wed, 17 Feb 2010 10:19:58 +0000 http://www.charcol.co.uk/knowledge-resources/ask-the-experts/article/view/ex-pat-buying-in-uk-for-retirement/4263/ I am an Australian resident tax payer and British citizen. I want to buy a home in the UK for retirement in 3 years. I wish to borrow the funds in the UK. Direction please? Thank you, John. oldgregorian@msn.com.au Wed, 17 Feb 2010 08:42:40 +0000 http://www.charcol.co.uk/knowledge-resources/ask-the-experts/article/view/existing-ex-marital-home-what-to-do/4259/ My partner and i are renting but want to buy but he still has a place with his soon to be ex wife, the divorce is just going through now and nothing to do with the house has been put in it, she has 2 children of the marriage living with her, can we get a valuation and sell up and split any profit or do we have to stay on mortgage until kids are adults? gka12680@hotmail.co.uk Tue, 16 Feb 2010 15:18:33 +0000 http://www.charcol.co.uk/knowledge-resources/ask-the-experts/article/view/how-much-can-i-borrow/4257/ My husband and I make a good joint income he is on £70K and I'm on £52.5K per year full time employment. We don't have a down payment but his father has told us he will help us out with this. Can you recommend how much we would need down to purchase a house in the £600K region? We haven't begun looking yet so there is flexibility. We both have good credit and have a car loan as well as a couple of credit cards etc. Total debit is probably about £15K or so. Thanks jill8277@yahoo.com Tue, 16 Feb 2010 11:09:52 +0000 http://www.charcol.co.uk/knowledge-resources/ask-the-experts/article/view/advice-for-intelligent-finance-customer/4255/ Intelligent Finance wrote to all exisiting mortgage customers on 15 Feb - (in non plain English) indicating a possible reversal of their retirement from the mortgage market. However it is impossible to track down any new mortgage rates or contact anyone to discuss. As an SVR customer waiting to jump onto the right fixed offset mortgage package I wonder if John Charcol have any inside knowledge on Intelligent Finances intentions in the mortgage market. murray.fraser@breezeplus.co.uk Tue, 16 Feb 2010 09:57:16 +0000 http://www.charcol.co.uk/knowledge-resources/ask-the-experts/article/view/what-mortgage-for-property-rennovation/4251/ I have found a Georgian property that I can get for £500,000, it needs work to get it to a position we could live in it (new baby on the way). I think we could get a standard mortgage on it. I feel that its worth possibly £100000+ more than would be paying for it. Would we be able to release any equity after the buy, I'm sure it would be valued more than we are paying for it. We cannot get any renovation mortgages as we would need 30% for purchase, exhausted that route. We will have £30000 to start the works after purchase. But need more to get it right to live in. joellbailey@btinternet.com Mon, 15 Feb 2010 20:07:27 +0000 http://www.charcol.co.uk/knowledge-resources/ask-the-experts/article/view/first-time-buyer-how-much-can-i-borrow/4249/ My partner and i currently have salaries of 18500 and 26000 per annum so combined total of 44500 i would like to know what would be the largest amount u think our combined salary would enable us to borrow for a 1st time buyer mortgage? we have just started saving for a deposit so havent really got that much at present but have seen a deal with barratt where they offer a deal with 85% mortgage and allow an interest free loan for the remainding 15% over 10 yrs? woodworks30@yahoo.co.uk Mon, 15 Feb 2010 19:47:46 +0000