Your mortgage questions answered

Unlock the door to your dream home with expert mortgage advice from the team at John Charcol. With nearly half a century of experience in the mortgage industry, we are well-equipped to demystify the home-buying process, helping you secure the best mortgage deal and smoothly navigate the property market.

Whether you're a first-time buyer, upgrading your home, or exploring refinancing options, we have the insights and expertise to guide you every step of the way. Don't leave your mortgage to chance - empower yourself with our comprehensive mortgage guides that break down the different types of mortgages in simple terms.

For those seeking more personalised advice, or help in complex situations, our Ask the Mortgage Experts section is a great starting point. Here, you can browse through enquiries from real people, get answers from our advisers and even submit your own questions to our team of independent mortgage experts.

Get the answers you need and start your journey to homeownership with confidence today!

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

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

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...

Can I Buy An Over 55s Property for a Parent or Grandparent?

Can a young person buy a retirement property for their parents or...

Two Mortgages on One Property

Can I have two mortgages on one house? I already have a mortgage...

How Can I Get a Mortgage on a Freehold Flat?

If you're having difficulty finding a lender willing to finance a...

Can a Mortgage Guarantor Live Abroad?

Whether a mortgage guarantor can live abroad in another country...

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

Yes, it's possible to sell part of your land even if you have a...

Can You Release Equity from a Property with Shared Ownership?

Yes, it is possible to release equity from a property with shared...

Can I Switch from a Buy to Let to a Residential Mortgage?

I currently own a buy-to-let that I want to move into, can I...

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

How do I find who my mortgage was with on a property? I can’t...

Converting Your House into Flats

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

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

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

What Is the Minimum Size for a Flat to Get a Mortgage?

What is the minimum square footage needed for a mortgage? I own a...

Can I Remortgage a Right to Buy Property?

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

Can I Remortgage Within 6 Months of Purchase?

Find out how quickly you can remortgage a house after purchase...

Which mortgage lenders allow unlimited overpayments?

It's uncommon to find mortgage deals with truly unlimited...

Do I Need a Credit Score to Buy a House?

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