There are a large range of different mortgage types available on the market – They are all suited to different lifestyles and circumstances. It can be rather confusing to understand all the features of the different mortgage types and pinpoint which one would be right for you.

Browse below for our most frequently asked questions about mortgages for different types of mortgage. If you’re looking for specific advice tailored to your individual circumstances, it would be best to get in touch with our advisers directly or to ask your own question below.

Which mortgage lenders allow unlimited overpayments?

Nearly every lender has a product which allows unlimited...

We want to help our son & his wife buy a home. What's the best way to do this?

We are a married couple in our late 50's happy to assist our son...

Can our daughter get a guarantor mortgage & put a charge on ours?

Hi, my wife and I own our on home valued at £300,000 without...

Can I get another mortgage, if I already have one with my ex?

I have a mortgage with my ex partner, she lives in the house and...

Debt Management Plan

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

Shared Ownership & Stamp Duty

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

First Time Buyers

Am I classed as a first time buyer?

Family Takeover

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

Fixed or Tracker

Are we better going for a fixed, tracker or variable

Joint Ownership

Is it possible to get a mortgage when I will only own part (half)...

Home for Elderly Relative

My parents are both retired and are about to sell their old home

Mother and Son Joint Mortgage

As part of a settlement for divorce my mother was given the...

Capital Raising for a Deposit

How much deposit do I need?

Elderly Guarantor

Do you know of any mortgage lenders that don't have an age limit...

2 or 5 year Fixed Rate?

I have 10 years left on a mortgage of £34000. Should I being...

Does John Charcol offer a joint mortgage application with a the option for a sole proprietor?

In a Moneywise article from 2014 it said that John Charcol...

Guarantor for a buy-to-let mortgage

Is it still possible to get a guarantor mortgage? I would like...

how do we sell a share of our property to our son stay on the deeds and downsize too

Where can my son get a mortgage to buy a share of our house? We...

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