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...

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...

Lending to Trusts

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

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...

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...

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 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...

Hodge Lifetime 55+ Mortgage

I am asking while researching for my 65 year old sister. I read...

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