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.

Which mortgage lenders allow unlimited overpayments?

Nearly every lender has a product which allows unlimited...

Second Property

Current mortgage outstanding and want to purchase a new property

Bridging Finance

Can I get bridging finance?

Inherited Property

I’ve inherited a property and I want to buy my sibling out of the...

I had a joint mortgage with my ex-wife now I'm off that and on my own am I a first time buyer again

After separation, what am I classed as for mortgage purposes? Am...

Debt Consolidation

I own my home and want to raise funds to consolidate debts


What happens to our mortgage after divorce?

Short Term Finance

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

Nationwide Consent to Let

I want to change to a Buy to Let

Outstanding CCJs

I have several CCJs and looking to apply for a mortgage

Do any lenders lend up to 90% or 95% LTV on buy-to-let?

Are there any 90 or 95% LTV BTL Mortgages?

Poor Credit History

I have bad credit

100% Mortgages

Is there still a 100% mortgage?

Can I get a 25 year term mortgage at 48 years old?

Can I get a 25 year mortgage at my present age, my fiancee also...

Section 106 Agreement

We are trying to secure a mortgage on a build with 106 attached...

Transfer of Title

Beware the free 'legals' packages offered will not cover the cost...

How much can I borrow?

I’m looking to apply for a mortgage but I’m not sure how much...

Let to Buy

We would like to rent out our current property

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