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.

With a low credit score can we get a mortgage with a 5% deposit?

My husband and I have a 5% deposit for a house priced £126,500....

My Husband Has Let Our Property Without My Consent

could you offer any advise please? i currently own a house with...

Unencumbered Property

I own a property (worth about £95k), but because I didn't buy it...

Interest only

I’ve heard a lot about Interest Only Mortgages

We own our home outright can we rent it out and buy a new house

We own our property outright. Valued at £145k. The rental...

Transfer of Equity

Transfer of equity

Sale and Rent Back

The short answer is Lenders do not like sale and rent back...

Can my name be taken off a joint mortgage without my permission

She is stating that she can just have my name removed from the...

Shared Ownership & Stamp Duty

My partner and I are looking to buy a property through shared...

Buy To Let Mortgages on Inherited Properties

We have just inherited a property with no outstanding mortgage on...

Non Simultaneous Sale and Purchase

My wife and I currently live in a 4 bedroom house worth approx...

Right To Buy Remortgage

I have just taken out a mortgage on a right-to-buy property. The...

Northern Rock Asset Management (NRAM)

Northern Rock Asset Management (NRAM)

Can I get a mortgage?

Wondering if I can get a mortgage?

Will my husband's age effect whether we can have a joint mortgage?

I am looking to port my existing mortage and borrow a bit more to...

We own two properties and looking to buy a third. Can you help?

We are both aged 67. Man in employment with basic income of...

Will we struggle to get a mortgage with no UK credit history?

My husband ( Irish ) and I have ( UK ) have moved back to the UK...

Transfer Subject to Mortgage

We have separated but I want to keep the house.

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