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 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 in the UK?

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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