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!

Buy-to-Let: What Do I Need to Know?

I’m looking at making an investment purchase by buying a home and...

Are There Any Mortgage Lenders for Section 106 Properties?

We are trying to secure a mortgage on a build with 106 attached...

I Want a House, to Do Up & Sell On. I Can't Get a Mortgage Over a Short Period, What Can I Do?

I am looking to buy a house and then do up to sell on, I will be...

Can I Get a Mortgage for a House with a Flat Roof?

I am interested in buying an architect designed house that is...

I've Inherited a Property, Could I Raise a First Time Buyer Mortgage on It?

I inherited my fathers house. Ive never had a mortgage. Would I...

How Can I Buy a House When I Haven't Sold My Current Property?

We own our home outright and have got it up for sale. i have now...

Taking Out a Second Mortgage for Renovations

I would like a quote to take out second charge mortgage for house...

Mortgage Against Land

We have a property worth £435,000 with no mortgage, we have made...

I'm Buying a House with My Mother. Can We Get a Mortgage?

Hello, My parents are midway through a divorce and are selling...

Can I Get a Self-Build Mortgage for 2 Properties?

I am planning to build a pair of semi detached houses on land I...

Mortgages in Trust

My daughter and her partner, due to wed next year, are potential...

Using a Foreign Property as Collateral

I own a property abroad (within EU) but am now a UK resident and...

1 Year Accounts Mortgage

I am self-employed and will not have the 1st full year of...

Transfer Mortgage from Joint to Sole Name

I have a joint mortgage with my son, but no longer want the...

Raising Funds to Consolidate Debts

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

Can I Remortgage a House Gifted to Me by My Parents?

I have recently had a house gifted by my parents. The house is...

What Is the Best Way to Borrow Money to Buy Land to Build On?

I wish to raise £80K for approx 8 months, in order to buy a piece...

Can I Get a Mortgage if I Work Abroad?

Currently working in the Middle East. My base is in London. Can I...