Ask the mortgage 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.
Please be aware that these answers can only be generic and no personal recommendations can be made.
My mother has been left my grandfather house in his will. He owned the house outright and so now I presume so does she. I know she is apprehensive to sell the house at it has been in the family for almost 90years. I am interested...
If I have an existing mortgage, can I borrow more because I want to buy another property but need a loan to do so?
I own a London flat outright, worth £550k. I want to let it out and buy a new flat for £625k. Have a household income of £100k. Would this be possible with a let-to-buy mortgage? Also would it be possible to raise more capital to...
Hi, I own a flat outright, and wanted to know if I can get a mortgage on this one, in order to purchase another property on a Buy To Let basis. I have a mortgage on my home as well.
Looking for a let to buy. We (wife & I)live in in a 4 bed semi in Ealing worth £850k (ish). We have a mortgage of £170k o/s. Looking to rent our house and buy a flat for £250k. We have £120 cash for down payment. Looking for...
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...
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