Ask the experts
At John Charcol, we are constantly asked for advice by borrowers on what they should do when it comes to mortgages. As such, we created this section so that you can submit your questions to our experts. The answers are provided by a team of experts, led by our in house mortgage technical manager, Simon Collins, who has spent the last 10 years helping our consultants to place mortgage applications.
So please do submit your question and we will do all we can to answer it as quickly as possible. Regrettably, we are unable to answer every question due to the popularity of this section.
Please note, John Charcol cannot provide legal or tax advice. If your enquiry contains a legal or taxation query we will refer you to our in house legal team, Rollingsons Solicitors Limited. By submitting your enquiry to us you are confirming that you consent to our passing your contact details to them.
Please be aware that these answers can only be generic and no personal recommendations can be made.
My mum has a house which still has £110k on the mortgage (My dad left and remortgage just before leaving us with a huge mortgage) She can just about afford it on interest only. I want her to stay in the house as its our family...
I have a joint mortgage with my brother. We've had this for approximately 6 years. It's not working out and i'd like to get out of the mortgage and would walk away with £6,000 and not want anything from it at all except my name...
Me and my ex divorced last march (did our own divorce) and he moved out of the marital home (currently up for sale). The mortgage is in both our names. Is he required to pay the mortgage until sale?
my house is in my sole name i purchased it 16 years ago, my ex wife moved into property 14 years ago, we were married 11 years. she is not on mortgage and has never worked . We have 12k of debt which is in my sole name but was...
My husband and I are separating after 15 years of marriage. Initially he took out the mortgage on our home by himself, as it was the easiest thing to do at that time. I paid the £6000 deposit. We married 5 months later and I...
My let to buy mortgage has been offered but our solicitor now tells us that we need the funds to be released before exchanging contracts on our new house purchase. Is this really the case?
I have had an offer accepted on a freehold property which is currently arranged as two self contained flats. The offer is £145,000 and I have a savings of £110,000. I am planning to live in the 1st/2nd floor maisonette and my...
My partner and I are looking to purchase a property from a vendor, however, the vendor, an elderly divorcee may request to rent the property back for a period of 6-12 months whilst he searches for somewhere new to live. We...
My 24 yr old daughter bought a new built house with her boyfriend in 2010 for 180k, he was abusive and she left him, he has a court order against him coming near her. She wants to sell the house, but he won't leave. The mortgage...
My husband has left haven't a clue where he is the mortgage is in his name only but we have a secured loan on the property in joint names, can he stop me making mortgage payments?
Answers provided in response to Ask the experts 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 necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.
We recommend you seek professional advice with regard to any of these topics where appropriate.