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.
I have 4 defaults notices on my credit history, all over three years now all settled. My wife has 1 which has been settled as well. Can we still get a mortgage?
My husband has 3 defaults on his credit file which we will be settling over the next few months. Once these are settled will they still stop us from getting a mortgage?
Hi, I have been living with my ex husband(and our 20 year old son), as husband and wife again for the last three years. He is in the process of buying the council property we live in in his sole name, I am concerned that if...
I am looking to buy a discounted market value sale thorough my council. I am struggling to find a mortgage even with 15% deposit. Do you know any lenders out there that able to offer a mortgage. More about the scheme can be found...
I helped my son and fiancee with a deposit towards buying a house, and now they are splitting up can I claim it back?
Hi my wife and I have put in a right to buy jointly does that mean we have to have a joint mortgage ? She is the main tennent and has maximum discount will that be affected if I'm the one having the mortgage
Categories: First-time buyers
I have 3 default notices on my credit history, one from 2010, one from 2011 and one more recenlty which is about to be satisfied. Will it be impossible to get a Mortgage with this type of history?
We have £18000 deposit for a £180000 property however we have £22000 loans to pay off, will we get refused a mortgage because our deposit is less than the outstanding loan amount?
Categories: First-time buyers
My wife and I both have excellent credit scores. I have a settled cpw default which is 5 and a half years old can we get a 95% mortgage. My wifes score is 999 and mine is 976.
I have been told by a mortgage broker, that i am unable to get a mortgage due to a settled default on a £1000 credit card bill, this was settled in march 2009. I have a 15% deposit and a good credit rating (900). Is there...
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.