Your mortgage questions answered

Get straightforward mortgage advice from the team at John Charcol. We're on-hand to answer your mortgage questions and help you find the best deal for you.

With over 40 years' experience in the industry we understand the process of buying a new home, arranging a mortgage and navigating the property market.

So if you're looking for advice, don't leave your mortgage to chance; read our helpful guides on the different types of mortgages or if you’re looking for tailored advice, browse through our frequently asked questions below and put your own mortgage question to our independent mortgage experts today.

Can My Name Be Taken Off a Joint Mortgage Without My Permission?

Your ex can’t simply take your name off the joint mortgage or the...

I Had a Joint Mortgage with My Ex-Wife Now I'm Off that and on My Own Am I a First-Time Buyer Again?

After separation, what am I classed as for mortgage purposes? Am...

Can You Sell Half of Your Property to Your Son or Daughter?

Yes it is possible to sell half your house but there are certain...

Converting Your House into Flats

You need to gain your lender’s consent before commencing any work...

What Can I Do if My Ex-Partner Stops Paying Their Share of the Mortgage After Separating?

I have a joint mortgage with my ex-partner. We recently separated...

How Can I Buy My Ex-Husband Out of Our Property?

It’s very common to remove one partner from a joint mortgage...

Mortgage Holiday Payments

Our experts answer your questions on mortgage payment holidays:...

I Am Over 50 Years Old Can I Get a Mortgage?

A whole section of the mortgage market called “later life...

Can I Get a Mortgage on Land Without Planning Permission?

Unfortunately self build lenders will require outline planning...

Can a Parent Be a Guarantor on a Mortgage?

Parents can be guarantors for their child’s mortgage.

Can You Get a Mortgage That Will Allow You to Either Knock Down and Rebuild a House or Add to or Extend a House?

Can you get a mortgage that will allow you to either knock down...

Can I remortgage an unencumbered property?

We own our current home outright - no mortgage. We want to move...

We live in tied accommodation, but have a flat with a repayment mortgage for when we retire. Do we pay tax on the rental income received?

We live in a tied property and have bought a flat with a...

I've missed a mortgage payment, help!

I have just applied to borrow money on my mortgage with Abbey. ...

Can I Raise Money on an Unencumbered Property

Hi, I own a property worth £1.6m (fully, no morgage on it). I...

Is there an Alternative to Bridging Finance?

Can I get bridging finance?

Should I repay the rest of my mortgage with a personal loan?

I have a mortgage of £30,000. I have £15,000 in savings I'm...

Can I buy others out of Inherited Property

I’ve inherited a property and I want to buy my sibling out of the...

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