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; put your questions to the independent mortgage experts today and explore our frequently asked mortgage Q&As.

Can you rent your home to buy and get a mortgage on a second property?

Can I rent out my current home, so I can afford to buy another...

Can you release equity from your property if your income source is from pensions and rental properties?

We have around £650,000 equity in our main home but only pension...

Can you get a mortgage if you’re self-employed and don’t yet have a full year of accounts?

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

We’re gifting money to our child, what else do we need to do to help him get a mortgage?

My wife and I are looking to help our son Jason with his first...

Can I get a mortgage with my partner even though he is on a Tier 2 visa?

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

Can I release equity in the home I’m selling to prevent my chain from falling through?

I have found a property which I'd like to purchase as a main home...

Before our mortgage term end, can I increase the loan to fund home improvements?

We currently have a mortgage of £116,000 on our principal home...

Can I take out a mortgage to repay a bridging loan?

I brought a new home before the sale of my old house with the...

Can I release equity from my home for a family buy to let property?

I'd like to leverage the 95% equity in our £800,000 home to raise...

Can I get a loan to bridge the gap between sale of my existing and the purchase of a new property?

I have my property on the market for £230,000 and hope to sell it...

Can I take out a second charge mortgage for house renovations?

I would like a quote to take out second charge mortgage for house...

Can I remortgage my UK flat to free up cash for an apartment in Spain?

We have no mortgage on our flat and want to buy an apartment in...

Can I use spousal maintenance to obtain a mortgage?

I am going through a divorce and have yet to agree a financial...

How early into starting a new role can I apply for a mortgage ?

Hello - I am just about to Graduate from University and have a...

I've been overseas for 6 years. Can I get a mortgage?

I am currently an expat and have been overseas for 6 years. If I...

Mortgage with Poor Credit History

My wife and I are looking for a mortgage to the amount of...

Can you arrange a let to buy mortgage?

I have an existing mortgage with Nat West for £230,000.I have...

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