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.
Holiday Let Mortgage
Learn about holiday let mortgages in our guide. What they are, how they’re different from other mortgages, how to get the best rates, lender criteria and more.
Non-Standard Construction Mortgages
Learn about getting non-standard construction mortgages in our guide. We explain what non-standard construction is, which lenders offer mortgages and more.
Mortgages For Flats
Learn about mortgages for flats in our guide. What they are, the different types, how to get the best rates, insurance and more.
Buying a Repossessed House
Thinking about buying a repossessed house? We explain what a repossessed property is, how to buy one from the bank, the pros and cons of buying one and more.
Leasehold Mortgages
Thinking about buying a leasehold property? We explain what a leasehold property is, how easy it is to get a mortgage, the pros and cons and more.
Mortgage on Timber Framed House UK
Want to get a mortgage on a timber framed house? Learn all about timber framed houses and mortgages in our guide: from lender criteria to buy-to-lets and more.
Concrete House Mortgage
Can you get a concrete house mortgage? Find out here. We go through when it’s easier and harder to secure this type of mortgage, lender requirements and more.
Eco Mortgages
Want to be more eco-friendly? An eco mortgage could be the solution for you when buying a property. We go through how it works and your options.
Buying a House with Subsidence
Is buying a house with subsidence a good idea? Find out what subsidence is, how it affects mortgage options, the impact it has on property value & more.
Flying Freehold Mortgages
Learn about flying freehold mortgages in our guide. We discuss what they are, potential issues, lender criteria and more.
Flat Roof Mortgages
Learn about flat roof mortgages in our guide. We’ll explain what they are, how to get a mortgage, the pros and cons, lender criteria and more.
Ex-Council House Mortgages
Looking to purchase an ex-council house? We’ll explain how to get a mortgage on these types of properties, the pros and cons and more, in our guide.
Maisonette Mortgage
Want a maisonette mortgage? Here we explain what a maisonette is, how lenders assess your application, how freehold vs leasehold works with maisonettes & more.
Bungalow Mortgage
Learn about getting a bungalow mortgage here. We explain everything you need to know about bungalows, what lenders consider for a mortgage & more.
Buying a House with a Public Footpath
Not sure if buying a house with a public footpath is a good idea? See our guide. We explain right of way, how a footpath can affect property value & more.
Can I Get a Mortgage with Japanese Knotweed?
Want to know whether you can get a mortgage with Japanese knotweed? Find out here – we go through what it is, how common it is, how to identify it and more.
Solar Panels and Mortgage Lenders
Buying a property that has solar panels? Find out about the different types of solar panels and how to get a mortgage with solar panels in our guide.
Asbestos and Mortgages
Can I get a mortgage on a house with asbestos? Learn about asbestos and mortgages here: how to find out if a property has asbestos, getting a mortgage and more.
Can I Get a Mortgage to Buy Off-Plan?
Looking to buy off-plan? We’ll explain what buying off plan means, the pros and cons and how you can get a mortgage in our guide.
Mortgages on Ex-Local Authority Flats
Looking to buy an ex-council flat? We explain how it works, the pros and cons and how you can get a mortgage on an ex-local authority flat.
Getting a Mortgage on a Single Brick Construction...
Thinking about getting a mortgage on a single brick construction property? Learn about the difficulties, advantages, buy-to-lets, lenders & more here.
How Property Type Can Affect a Mortgage...
How can property type affect a mortgage application? Here we go through the different property types & the impact of non-standard construction on your mortgage.
How to Get a Mortgage for a Barn Conversion
Considering converting a barn into a property? We explain what a barn conversion entails, the costs, how to get a mortgage and more.
How to Get a Mortgage on a Thatched Property
Learn about getting a mortgage on a thatched property here. We go through how a thatched roof affects your mortgage & insurance, the pros & cons, costs & more.
Can You Get a Mortgage on a Grade 2 Listed...
Want to know if you can get a mortgage on a Grade 2 listed building? Learn about what listed buildings are, which lenders offer mortgage on them and more.
Mortgages on High Rise Apartments
Learn about getting a mortgage on high rise apartments in our guide. We discuss deposits, lender criteria, cladding and more.
Mortgage with Contaminated Land
Learn how to get a mortgage with contaminated land, what counts as contaminated land, how to find out if land is contaminated and more.
Below Market Value Mortgage
Can you get a below market value mortgage? Learn all about buying a house at below market value and your mortgage options in our guide.
Underpinned Property Mortgage
Want to get a mortgage on an underpinned house? We’ll explain what underpinned means, signs to look out for, how to get a mortgage and more.
Airbnb Mortgage
Can you get an Airbnb mortgage? What if you already have a residential mortgage on a house you want to use as a holiday let? Learn about Airbnb mortgages here.
Seafarer Mortgages
Learn all about seafarer mortgages in our guide. We’ll explain what they are, how they’re different from other mortgages, affordability calculations and more.
Can I Get a Mortgage on a Prefab House?
Want to know whether you can get a mortgage on a prefab house? Learn what a prefab house is, the pros & cons of them, the types of financing available & more.
Mortgages for Flats Above Shops
Looking to get a mortgage for a flat above a shop? Read our guide to read about what mortgage are available, how it works, deposit requirements and more.
Mortgages for Properties with Annexes
Want to get a mortgage on a property with an annex? We’ll explain how to get a mortgage, the criteria and more.
Care Home Mortgages
Learn about care home mortgages in our guide. What they are, how to get a mortgage, the potential difficulties and more.
Mortgage on a Castle
Want to get a mortgage on a castle? We’ll explain the pros and cons, mortgage eligibility, factors to consider and more.
Mortgage For a Church Conversion
Learn about mortgages for a church conversion in our guide. What they are, requirements for a mortgage, the fees involved and more.
Mortgages for Steel Framed Properties
Learn about mortgages for steel framed properties in our guide. What they are, the pros and cons, the costs involved and more.
Apartment Mortgages
Want to get a mortgage on an apartment? We’ll explain the criteria, types of apartment mortgage, things to look out for and more.
Mortgages Next to Commercial Property
Can you get a mortgage next to a commercial property? Learn about your lending options in our guide. We go through criteria, deposits and what to consider.
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.