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 I get a mortgage for a house with a flat roof?

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

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...

Should we use our property as collateral for our son's mortgage?

We are retired and own our home outright. Our son wants to buy...

1 Year Accounts Mortgage

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

Can You Get a Mortgage on a Tier 2 Visa?

My partner and I are looking to buy our first property, however...

Can I get a second charge on a property with equity release?

As an existing equity release lifetime mortgagee currently with...

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...

Can I get a new joint mortgage even though I'm still on the joint one with my ex wife?

I am now divorced and have a child with my ex wife. She now lives...

Why can't I borrow on a buy to let to buy my parents home?

Can you tell me why I can't borrow money on a buy to let mortgage...

Can I buy my house that is currently owned by a landlord?

I have been living in my landlords house now for about 4 years...

Discounted Purchase Price

Hi. My wife and I have been renting the house we live in for the...

I work reduced hours, can you help me get a mortgage?

I am in the process of applying for a mortgage, and would really...

Changes to my variable rate

Currently I am coming out from fixed mortgage and now SVR applies...

Shared Ownership/Default

I will be looking for a mortgage of roughly £50,000, as I will be...

Non Simultaneous Sale and Completion

I have a house worth approx £210,000 and a mortgage with £108,000...

Can I take my brother and sister-in-law off the mortgage so I dont have to sell?

The mortgage is joint mortgage with my name, my brother and his...

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