There are a whole bunch of special circumstances that can affect your ability to qualify for a mortgage. These can include:

  • Bankruptcy
  • Period of sale
  • Work history
  • Overtime, commission and bonuses
  • Maintenance and child support
  • CCJ’s

Whatever your individual circumstances the team at John Charcol can help.

If you’re looking for more information about special circumstances when applying for a mortgage, why not browse our FAQs concerning some of the more unusual and unique scenarios we’ve dealt with. If you can’t find the answer you’re looking for, get in touch and put your question to our team today.

Can I buy others out of Inherited Property

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

Is it possible to use the equity from our home to buy a property in France?

We would like to use the equity from our home to by a property in...

Nationwide Consent to Let

I want to change to a buy-to-let

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 earns...

Section 106 Agreement

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

Two flats within a Freehold Property

I have had an offer accepted on a freehold property which is...

If my ex husband dies am I solely responsible for our mortgage?

My ex husband and I have both our names on the mortgage and he...

Lending to Trusts

My wife and I are in our early 70's. We have set up a family...

Transfer of Title/Mortgage from Joint to Sole Name

A friend of mine has a joint mortgage with her son, but she no...

Concessionary Purchase from Father

I currently live with my partner in a property owned by my...

House with annex

House with annex

Dependent Relative Mortgage

I have heard about a dependent relative mortgage. Is there such a...

Mortgages in Trust

My daughter and her partner, due to wed next year, are potential...

Coverting your house into flats

I currently have a mortgage on a residential terraced property...

Taking over Parents Mortgage

My Mother & Father are going through a divorce. Due to the poor...

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...

You are currently offline. Some pages or content may fail to load.