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.
Hi, Myself and my partner are living with his mother (69 yrs old). We would like to make this a permanent arrangement and are all in agreement. She currently owns the house with another son who no longer lives here. There is an...
My parents would like to purchase a house for £300,000, but will only have £200,00 to fund this once they have sold their currrent house. Their four children would like to know, is it possible for us in conjunction with our...
is it possible to get a mortgage, if the property has no water supply to it.
We currently own a double fronted Victorian house, which is split into two flats. We own both flats and the freehold. We have a mortgage on each flat with different lenders. We now want to convert the flats into one house and...
My daughter wants to buy an Italian property (to let). She has £20K. She earns £35K. I own outright my property ( I am retired) worth £450,000.She would like to borrow against my property 200K. Is this the best option? Regards,...
I'm looking for 95% LTV mortgage on a £200,000 property, if it's possible to help/advise, much appreciated. Harry
Categories: First-time buyers
Hi, we are looking at buying a holiday home and want to know the best way to raise the funds - can we increase the mortgage on our home mortgage (LTV is low) or is another product a better idea? Thanks
My stepson, who is aged 30, and has a secure job with a big consulting firm at a salary of £44,000, is renting at the moment but wants to buy. His girlfriend, with whom he has been for more than 5 years, will probably not own the...
I own a flat in London with my friend. We bought it in 2005 when we signed a tenants in common agreement. He now wishes to sell his share to me. I am no longer living in the UK, can you advise the process I need to follow to get...
I own my property with no mortgage and looking to buy another property to move into. Can I raise a mortgage on my existing home that will be paid by the rent I receive and raise a second mortgage against my new home based on my...
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.