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.

Can I Remortgage a Right To Buy Property?

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

Do I Need a Credit Score to Buy a House?

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

Can You Sell Half of Your Property to Your Son or Daughter?

Where can my son get a mortgage to buy a share of our house? We...

What Can I Do if My Ex-Partner Stops Paying Their Share of the Mortgage After Separating?

My ex-partner and I recently separated. They’ve said they’re not...

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

I own a small studio flat which I am considering selling....

Can I Remortgage Within 6 Months of Purchase?

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

Can I Get a Debt Consolidation Mortgage or Loan?

Trying to manage multiple debts isn’t easy; different interest...

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,...

Mortgage Holiday Payments

Our experts answer your questions on mortgage payment holidays:...

Converting Your House into Flats

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

Can My Name Be Taken Off a Joint Mortgage Without My Permission?

Your ex can’t simply take your name off the joint mortgage or the...

Let to Buy for New Property Purchase

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

I Am Over 50 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...

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

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

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...

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