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.

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 also...

Section 106 Agreement

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

Debt Management Plan

I am in a debt management plan and pay rent of 800 pcm. A family...

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...

Family Takeover

John Charcol advises Steve on the possibility of his son to take...

Transfer of Property Ownership and Care Home Costs

I would like to buy my mother and father inlaw's house with my...

Transfer of Title/Mortgage from Joint to Sole Name

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

First time home buyer qualification

As someone who sold a house 4 years ago but never bought another...

Concessionary Purchase from Father

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

Shared Appreciation Mortgage

My partner's father has recently died and we have just discovered...

Concessional Purchase

I am looking at doing a house swap. My flat is currently on the...

House with annex

House with annex

How easy is it for British citizens living outside of the UK to obtain a mortgage in the UK?

I have been out of the UK since 2001, 10 years in Canada, 4 years...

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