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.
Hello. I purchased an old semi detached home and have no mortgage. I knocked the property down and have re-built on the same plot. It is almost finished. Is it likely I can get a mortgage on the property once all is signed off?...
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...
I own a property and have done for 3 months. I need to mortgage it, although it does not have full NHBC or been signed off by Building Control!! What can you offer me?
I own a piece of land with planning permission worth £600000. Can I fund a self build by borrowing the value of the land?
I wish to raise £80K for approx 8 months, in order to buy a piece of land and build on it. The builder will coverall build costs. The land has planning permission already. I have a £130k mortgage on my house and its value is...
We have planning permission to build a property which is residential but has a live/work element to it with an office building next door. So far all mortgage lenders have said they would not lend on such a building. Can you...
Hello, I currently have a mortgage on a residential terraced property and was thinking of splitting it into three flats. If I get through the planning permission and building regulations and go ahead with the works, how will...
I have a plot of land and I am hoping to get planning permission for a bungalow. I dont have any savings can I raise money on the plot to get the cash to build and how do you repay the money
I already have a plot of land (its been in the family for 60 years) and would like to self build on it. Can I borrow money based on the cost of the house AND the value of the land?? Also, can I get a mortgage without needing to...
Can my son take out a morgage for a self build but the title be in mothers name, the mother owns the land?
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.