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 ex is still on my mortgage and he hasn't paid any contributions towards it and has asked to have his name off of it. Do I have to re mortgage or is it simply a paper exercise
Hi, I have a shared Ownership Mortgage at 50% in total with my ex who is moving out the UK. I want some legal advice as I want to take over the flat. He will still pay his share but I want a legal agreement to cover if he does...
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 helped my son and fiancee with a deposit towards buying a house, and now they are splitting up can I claim it back?
My ex walked out on me 2 years ago, and she carried on paying £200 towards a £600 mortgage for a further 4 months. Since then i have paid the mortgage myself to date. She is trying to say she is entitled to the equity value...
I seperated Nov 2011 from my partner and I am trying to get my name off the mortgage. However it's not easy as before I moved out I signed something to take my name off the land not realising actually what it was. Now my ex still...
I am looking to port my existing mortage and borrow a bit more to buy a bigger home. I have got married since purchasing the flat I am selling, but my husband is a lot older that me. We would like me to be the sole applicant...
I have split from my wife last year, the mortgage is in my name only. She still lives in the propery with our 2 sons aged 9/12 the mortgage company are forcing a levy on me for a buy to let mortgage because I don't live at the...
My Partner wonts to renew the mortgage in his sole name but keep my name on the deeds. Where do i stand with this. Can he sell the property from under me, do i have any say in the property?
i own my house outright with no mortgage and my son has a house of similar value with a mortgage.we would love to exchange houses without any money changing hands.is this possible, any help would be greatly appreciated,thanks
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.