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.

Converting Your House into Flats

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Mortgage Holiday Payments

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Can I buy others out of Inherited Property

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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...

Are there any mortgage lenders for Section 106 properties?

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...

I've inherited a property, could I raise a first time buyer mortgage on it?

I inherited my fathers house. Ive never had a mortgage. Would I...

Transfer of Title/Mortgage from Joint to Sole Name

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

Can I remortgage my parent’s property?

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

Is there a 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...

Taking over Parents Mortgage

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

1 Year Accounts Mortgage

I am self-employed and will not have the 1st full year of...

Can You Get a Mortgage on a Tier 2 Visa?

My partner and I are looking to buy our first property, however...

Can I buy my house that is currently owned by a landlord?

I have been living in my landlords house now for about 4 years...

Discounted Purchase Price

Hi. My wife and I have been renting the house we live in for the...

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