Specialist mortgages for different scenarios
One of John Charcol’s strengths is our access to specialist mortgages designed for individuals with circumstances that some lenders categorise as ‘complex’.
Catering for our broad client base means we need the flexibility to collaborate with specialist mortgage lenders to create bespoke loans, while we also identify trends and help design products to meet shifting patterns in society.
The following is not an exhaustive list, but an illustration of some of the more diverse markets we cover.
Second Charge Mortgages
A second charge is a mortgage secured against a property with a mortgage already on it. John Charcol can find you a second charge to suit your needs.
Offset mortgages can reduce the amount of interest you're charged
Freelance and Self-Employed Mortgages
Increasingly, people are working in a freelance or self-employed capacity and more and more lenders are adjusting to this trend
The number of freelance or contract workers employed in financial hubs like the City of London is rising, let us help you find the right mortgage
Bridging loans are short term secured loans. Property buyers typically use bridging finance to “bridge” the gap between the purchase of a new property and the approval of a traditional mortgage, the sale of the new property or the release of capital from an existing property.
Let to Buy Mortgages
Let to buy is worth considering if you’re struggling to sell your home or your property has dropped in value.
Portfolio Landlord Mortgages
For more than 30 years we have helped landlords achieve their property aspirations. This could be advice on starting and building a portfolio or advice for landlords with large portfolios looking to leverage and expand.
Limited Company Mortgages
If you already own a Limited Company and are looking to either refinance or purchase a new investment property, we understand that the process of getting a mortgage can be tough.
Private Bank Mortgages
At John Charcol, we have over 40 years of experience helping medium and high net worth clients to find the right mortgage at terms which fit their life aspirations, income and wealth. We understand our clients are busy people so we ensure our service is tailored to their sometimes hectic schedules.
Mortgages from lenders that understand the complexities of developments and the challenges facing developers
We live in a truly global society, so we’ve got relationships with lenders that regularly lend to British people based abroad
Once widely available, these mortgages are now only provided by specialists, but John Charcol knows where to ask
If you need a large mortgage loan (in the millions) then you may need a specialist lender or a private bank. We know where to look on your behalf.
New Build Apartment Mortgages
If you need a mortgage offer to last longer than usual because you’re buying off-plan or you’re using a government scheme, talk to us first
Mortgages for Doctors
John Charcol understands the difficulties presented by practice LLP status, so we’ve got access to specialists that are on the same page
Mortgages for Directors
Mortgages from lenders that understand the nuances of business accounting
Specialist Mortgage Advice
Our team of specialist mortgage brokers are on hand to provide you with independent advice no matter what your circumstances are. Get in touch today to speak to our experts or request a callback.