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.

Let to Buy for New Property Purchase

There’s a term given to the process of releasing equity from your...

I Am 54 Years Old Can I Get a Mortgage?

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

Can I Convert My Mortgage to Buy-to-Let?

There are 2 main options when you want to let out a property with...

I've Never Had a Credit Card, Will This Affect Me Getting a Mortgage?

There are mortgage options for people with no credit history -...

Can I Get a Mortgage if I Have an Overdraft and Credit Card?

It is possible to get a mortgage with poor/bad credit in the UK,...

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

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

My Ex Won't Pay His Half of the Mortgage What Can I Do?

Divorce and separation are hard enough without the added...

How Can I Get a Mortgage on a Freehold Flat?

While it is unlikely you will find a mortgage on a freehold flat,...

Can I Buy a House and Rent It to a Family Member?

Whether you can rent a property to family will depend on your...

Can a Mortgage Guarantor Live Abroad?

It’s highly unlikely that a lender would allow someone who’s...

Can I Sell Part of My Land if I Have a Mortgage?

As the property is mortgaged, you can not sell part of the land...

Can I Get a Mortgage on Land Without Planning Permission?

Unfortunately self build lenders will require outline planning...

Can I Remortgage a Property Within 6 Months of Purchase?

There are options that’ll allow you to remortgage a property...

Can I Remortgage a Right To Buy Property?

This is where you have the ability to buy a home from the...

Can You Release Equity from a Property with Shared Ownership?

Unfortunately you need to have 100% ownership before any lender...

Can a Parent Be a Guarantor on a Mortgage?

Parents can be guarantors for their child’s mortgage.

How Do I Find Out Who I Had a Mortgage with?

My daughter had a mortgage 11 years ago, how can I find out any...

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