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, 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
Hi, I have a 60% mortgage on a property in my name. My partner (who currently has no mortgage or property and will be a first time buyer) and I want to buy a property together - maybe a holiday home for our use or maybe a buy to...
Hi there, I am currently living in a flat (by residential mortgage), I am selling it and buying another bigger flat. My salary is enough for me to get the residential mortgage for the next one, but when do I have to sell the 1st...
Categories: Holiday homes
Myself and my hubby own our house outright with no outstanding mortgage. It is valued at around £200k. We would like to know how to use some of the value of our house say £60k to purchase a house in france without having a...
I am a UK and Australian Citizen living in Sydney Australia. I have three properties in Normandy France (fully paid for; ie no mortgages) which have been valued at 180000 - 210000 euros. I am looking to see if it is possible to...
Hello just wondering if i would be able to get a mortgage wiv a default from just over 5 years ago,i have a joint income of 44000 my credit rating is fair and my partners good we would av a 10 percent deposit on a 90000 house...
Hi i have two defaults over 3 years old i have a score of 900 and i was looking to move my house is worth around 100k and i owe 58k so i will have around 30.40k deposit i tried a few months ago to get a mortgage of 110k for a...
I own my own house with no mortgage remaining I need to raise money against my property to purchase a holiday home
I'm at the moment trying to find a mortgage for Right to Buy on my council property and finding it very difficult at this time but the reason for this is I think is that I had a ccj from 2008 with Severn Trent which I satisfied...
I have an NRAM mortgage £86,543 mortgage and £4206 unsecured. When making over payments is it best to allocate to mortgage or unsecured loan? I am in neg equity and would like to know which option will help me. SVR is 4.78%....
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.