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Ask the Mortgage Experts

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.

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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.

Get the answers you need and start your journey to homeownership with confidence today!

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Ask your own question

We are here to help with practical answers from the independent mortgage brokers.

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Book an appointment with an adviser today and we’ll help you work out which mortgage deal is best for you and your requirements.

Speak to a mortgage adviser023 8235 2300

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Fill out the short form below and choose a time that suits you. It’s a no-commitment opportunity for our experts to help you.

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By submitting this form, you consent to being contacted by John Charcol for the purposes of progressing your mortgage application.

As John Charcol is part of Pivotal Growth Ltd, you can also choose to hear about other products or services offered within the group that we believe may be helpful to you.

You can change your preferences or opt out at any time. For more details, please read our cookie and privacy statement.

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Ask Our Experts Your Own Question

If you haven’t found an answer on our FAQs, guides or through our mortgage tools and you’d like to ask our team of mortgage experts you can fill in this enquiry form and one of our advisers will get in contact with you.

Alternatively, if you would prefer to speak to an expert now – you can call us on: 023 8235 2300

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Published questions remain anonymous within Ask The Mortgage experts. However, if you do happen to fancy a moment of fame or a good old rant, and wouldn't mind being interviewed or photographed by a journalist, tick here so our experts can contact you should your story be helpful to other borrowers.*

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Ask about a second charge mortgage

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1. First Charge - I understand that a first charge mortgage could be a more cost-effective alternative to a second charge and have considered this before proceeding.

2. Existing Mortgage Product - I am currently tied into a mortgage product with an early repayment charge if I choose to leave this deal early and I have investigated the possibility of a further advance from my existing lender.

3. Product Suitability - I understand that second charge mortgages may not be suitable in all situations and that advice will be provided by our second charge partner “The Loan Partnership” to help determine if this is the right solution for me.

4. Data Sharing Consent - I agree that my name and contact information can be shared with a trusted partner firm – The Loan Partnership – to receive personalised advice on second charge options.

5. Understanding of Risk - I understand the risks associated with securing other debts against my home and my home may be repossessed if I do not keep up repayments on a mortgage or any debt secured against it. I am also aware that by consolidating existing borrowing that I may be extending the terms of the debt and increasing the total amount I repay.

Please tick above if you’d like to receive these communications:

*Please note that neither John Charcol Limited nor its Appointed Representatives are providing mortgage advice as part of this enquiry. Second charge mortgage advice will be provided by The Loan Partnership FCA ref 707809. If you need to investigate first charge mortgage options, please contact John Charcol via this contact form.

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