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.

I’d like to rent my current house out, and buy a bigger place but have no deposit

I'm mortgage free, my house is worth about £135,000. I would like...

I've missed a mortgage payment, help!

I have just applied to borrow money on my mortgage with Abbey. ...

Can I Raise Money on an Unencumbered Property

Hi, I own a property worth £1.6m (fully, no morgage on it). I...

Which mortgage lenders allow unlimited overpayments?

Nearly every lender has a product which allows unlimited...

Is there an Alternative to Bridging Finance?

Can I get bridging finance?

Can I buy others out of Inherited Property

I’ve inherited a property and I want to buy my sibling out of the...

Is it possible to use the equity from our home to buy a property in France?

We would like to use the equity from our home to by a property in...

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...

Raising funds to consolidate debts

I own my home and want to raise funds to consolidate debts

I'm 68 years old, can I get a mortgage?

I want a 10 year mortgage for £12,000 & I am 68. Is this possible...

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...

What happens to my mortgage after getting a divorce?

What happens to our mortgage after divorce?

Buying a more expensive property

We haven’t sold it yet but want to buy quickly – is this...

My ex cant afford to buy me out our home. Can I force her to sell?

Hello, I have a house in joint names with my ex partner. There...

Nationwide Consent to Let

I want to change to a buy-to-let

Mortgage with CCJ's on my record?

I have several CCJs and looking to apply for a mortgage

Do any lenders lend up to 90% or 95% LTV on buy-to-let?

Are there any 90 or 95% LTV BTL Mortgages?

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