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!

Can I Release Equity From My Home to Pay for School Fees?

I own a mortgage free property approx value 300k I would like to...

Not Removed From Previous Mortgage Covenants, What Can I Do?

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

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...

Buying Property in the UK as an Expat

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

Can I Get a Mortgage with Settled Defaults?

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

Can a Mother and Son Get a Mortgage Together?

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

Are Builder's Gift Deposits a Good Idea?

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

Does Ownership Abroad Mean I Cannot Buy in the UK?

I own a house abroad but would like to buy my first home in the...

Buying a More Expensive Property

We haven’t sold it yet but want to buy quickly – is this...

Capital Raising on Parent's Home

I want to release equity from my parents home as they own it...

Can I Get a Mortgage on a Temporary Contract Job?

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

Can You Remortgage the House You Own to Rent Out the Property?

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

Buy-to-Let Mortgages on Inherited Properties

Can you get a buy to let mortgage on an inherited property? We...

Can I Exchange Contracts with a Delayed Completion?

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

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...

Can You Sell Half of Your Property to Your Son or Daughter?

Yes it is possible to sell half your house but there are certain...

How Can I Buy My Ex-Husband Out of Our Property?

It’s very common to remove one partner from a joint mortgage...

Mortgage Holiday Payments

Our experts answer your questions on mortgage payment holidays:...