SPECIALIST MORTGAGES FOR EVERY SCENARIO
One of the benefits of using John Charcol is our direct access to specialist mortgage lenders, who are equipped to find the right deal for even the most complex of cases.
We cater to a large client base, meaning we often need the flexibility to collaborate with specialist lenders to build tailor-made loans. We also identify and help to develop products to meet the ever-evolving needs and circumstances of our people.
The list below illustrates 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
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
When you let to buy, you take out 2 mortgages: a buy-to-let remortgage on your existing property and a residential mortgage on your new home.
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 mortgage specialists are on hand to offer you independent advice, no matter how complex. Get in touch today and speak to one of our experts or request a call back.