Our experts cut through the noise to tell you what you need to know
With over 40 years of experience behind us and some of the industry's most quoted experts in our ranks, there's not much we don't know about mortgages.
However, we know our industry is awash with jargon, so our experts aim to keep it simple. Through this blog, social media and our monthly newsletter, experienced mortgage advisers explain the nuances of the mortgage market, how economic factors influence the availability of mortgages and get to the meaning behind regulatory changes.
When going through the mortgage process, sometimes you’re offered additional insurance services, but it’s hard to know what’s the right policy for you. This blog will go into further detail on everything you need to know about life assurance and life insurance and ensure you’re aware of all your options.
When buying a house there are several expenses you must account for, with Stamp Duty being one of the largest. Finding out how much Stamp Duty you need to pay and what these charges mean can get confusing. This blog will take you through the basics of Stamp Duty and explain all you’ll need to know.
A “Mortgage Prisoner” is an individual who’s unable to alter the terms of their mortgage based on their current lending policy, due to the lender not allowing them. This leaves that person potentially tied to the lender. Following on from our previous blog post on mortgage prisoners, we’ll now look at two common scenarios and possible solutions – interest-only borrowers and the self-employed.
Buy-to-let investors and landlords certainly haven’t had an easy ride over the last few years. In this post Ruban Selvanayagam, co-founder of sell house fast firm Property Solvers, has given his thoughts towards the current state of play and how savvy operators can capitalise on the new status quo.
Understanding the latest trends in finance and technology isn’t always easy. We’ve broken down the key components of blockchain technology so you’re aware of the latest ways to ensure your data is safe when undertaking large transactions.
Lenders look at your credit score when you apply for a mortgage. We explain a few ways you can improve your credit score in our blog.
This blog will take you through the basics of buying your council house, so that you can decide whether it’s a good move for you.
We outline what a share of the freehold is, its benefits and problems, and what it means to extend the lease.
Independent professionals and the self-employed have always been able to take out mortgages, but the rules surrounding what they need to provide when they apply is a little different. We explain everything you need to know in our blog.
The finance costs restriction is still being phased in. It was outlined in Section 24 of the Finance Act 2015, but won't be fully in place until 2020. We explain what this means for landlords and what they can currently deduct in finance costs.
The blog postings on this site solely reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.