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.
Who is lending on sheltered flats with communal facilities? I have been offered a mortgage from my existing Building Society but they will not lend on sheltered housing.
Categories: Special circumstances
can u help me I am looking for a remortgage the problem is my dad wants to stay on the mortgage. I am 35 and my dad is 63 but I want to have repayments over 20 years is there any mortgage lenders out there that will offer us a...
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...
Can Castle mortgages be used as a deposit fund for first time buyers?
Myself and my partner bought our home in 2006 with a northern rock together mortgage, through a broker(smf). Recently though we have been struggling to make payments and it went to court for repossesion and I won to stay at my...
My wife and I bought a house for £110,000 back in 2004 using a NRAM together 100% mortgage. After a few years of increasing house prices we remortgaged at 130,000 (the house was values at 140k) it now seems that due to the...
Thanks for your help with the ex-pat question. If our mortgage company decline our consent to let are there any other options? i.e., we have a granny flat attached to our property (it has a door that connects it to the main...
Purchase Parents House My parents need to release some funds from their house and willing to sell the house to me for under valuation to provide them witha cash lump sum. I would the like to use the remaing equity as security...
I have a NRAM (Together Mortgage) with Mortgage of £70391 and unsecurred loan of £15676 payments broken down into £395.60 and £88.10 respectively, the mortgage is in my own name and the property unfortunatley has fell into...
My parents have a house valued at around £90000 with £11000 left to pay, however my Father has become ill and may not be able to return to the job he does and may have to take on a lesser role with a lot less pay. Would it be...
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.