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.

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...

Two Mortgages on One Property

My husband and I are separating, we have our own business and...

Can I remortgage my parent’s property?

I currently live with my partner in a property owned by my...

Buying Property in the UK as an Expat

I’m a UK Citizen but I live abroad, what are my options for UK...

Is it illegal to have two residential mortgages

Hi there, I am currently living in a flat (by residential...

Can I be a guarantor for a buy-to-let mortgage?

Is it still possible to get a guarantor mortgage? I would like...

Using a Foreign Property as Collateral

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

Is there a dependent relative mortgage?

I have heard about a dependent relative mortgage. Is there such a...

Can I sell half of my house to my daughter or son?

Where can my son get a mortgage to buy a share of our house? We...

I'm buying a house with my mother. Can we get a mortgage?

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

Converting a house into 2 flats

My partner and I are considering purchasing a run down Victorian...

Not removed from previous mortgage covenants, what can I do?

My husband and I separated 3 years ago. I was prepared to leave...

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