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.

Is there still 100% mortgages?

Is there still a 100% mortgage?

Can I get a 25 year term mortgage at 48 years old?

Can I get a 25 year mortgage at my present age? My fiancee earns...

Are there any mortgage lenders for Section 106 properties?

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

Can our daughter get a guarantor mortgage & put a charge on ours?

My wife and I own our on home valued at £300,000 without a...

Let to Buy for New Property Purchase

We would like to rent out our current property

Buy-to-Let - What do I need to know?

I’m looking at making an BTL investment purchase

Are builder's gift deposits a good idea?

I've been looking at buying a house through Barratts. They will...

Capital raising on parent's home

I would like to borrow some money secured on my parents house

Two flats within a Freehold Property

I have had an offer accepted on a freehold property which is...

Can I get a mortgage on a temporary contact job?

I've just started an 18 month temporary work contract with a...

With a low credit score can we get a mortgage with a 5% deposit?

My husband and I have a 5% deposit for a house priced £126,500....

Can I remortgage if I own my house outright?

We own our property outright. Valued at £145k. The rental...

Can my name be taken off a joint mortgage without my permission

I split with my ex around 3 years ago. We still have a joint...

Shared Ownership & Stamp Duty

My partner and I are looking to buy a property through shared...

Buy To Let Mortgages on Inherited Properties

We have just inherited a property with no outstanding mortgage on...

Will my husband's age effect whether we can have a joint mortgage?

I am looking to port my existing mortage and borrow a bit more to...

Will we struggle to get a mortgage with no UK credit history?

My husband (Irish) and I (UK) have moved back to the UK and are...

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