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 we rent out our property, and use the equity on a new one?

We own our property outright, worth £375k. We also remortgaged...

If my ex husband dies am I solely responsible for our mortgage?

My ex husband and I have both our names on the mortgage and he...

Refused a second mortgage on my property

Can my current mortgage lender refuse a second mortgage on my...

I am 54 years old can I get a mortgage

I am 54 years old and my wife 37 with good credit history and...

Can I exchange contracts with a delayed completion?

We want to buy a house but not move in for 6 months. The seller...

How much deposit will I need?

If I wanted to buy a house for the value of £110,000, how much...

Will previous issues paying affect my chance of getting a mortgage?

I am about to apply for a mortgage and am worried about my credit...

Can you be named on 2 residential mortgages?

Hi I split from my wife a few years ago and now live in our home...

I'm 58, can I get a 17 year mortgage?

Can I at 58 get a 17 year mortgage?

I own our current home my wife has never owned a property can we get a first-time buyer mortgage

I have a flat in my name only valued at £64.5k with a £30k...

How can we remortgage my partners house to buy out his ex

Can you remortgage to buy out an ex partner? I live with my...

Can a mother and son get a mortgage together?

As part of a settlement for divorce my mother was given the...

Transfer of Title/Mortgage from Joint to Sole Name

A friend of mine has a joint mortgage with her son, but she no...

hsbc mortgage declined

Just because you have been declined by HSBC doesn't mean that you...

Can I remortgage a house gifted to me by my parents?

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

Can I still get a mortgage with settled defaults?

I have been told by a mortgage broker, that i am unable to get a...

Can I get a mortgage for a property without a water supply?

Is it possible to get a mortgage, if the property has no water...

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