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 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 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...

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

I need some advise on buying a property with an over 55 years age...

Can I remortgage an unencumbered property?

We own our current home outright - no mortgage. We want to move...

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?

Should I repay the rest of my mortgage with a personal loan?

I have a mortgage of £30,000. I have £15,000 in savings I'm...

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

You are currently offline. Some pages or content may fail to load.