Your mortgage questions answered

Get straightforward mortgage advice from the team at John Charcol. We're on-hand to answer your mortgage questions and help you find the best deal for you.

With over 40 years' experience in the industry we understand the process of buying a new home, arranging a mortgage and navigating the property market.

So if you're looking for advice, don't leave your mortgage to chance; read our helpful guides on the different types of mortgages or if you’re looking for tailored advice, browse through our frequently asked questions below and put your own mortgage question to our independent mortgage experts today.

How Do I Find Out Who I Had a Mortgage with?

How do I find who my mortgage was with on a property? I can’t...

Can I Sell Part of My Land if I Have a Mortgage?

Yes, it's possible to sell part of your land even if you have a...

Can I Switch from a Buy to Let to a Residential Mortgage?

I currently own a buy-to-let that I want to move into, can I...

Can You Release Equity from a Property with Shared Ownership?

Yes, it is possible to release equity from a property with shared...

Can a Mortgage Guarantor Live Abroad?

Whether a mortgage guarantor can live abroad in another country...

How Can I Get a Mortgage on a Freehold Flat?

If you're having difficulty finding a lender willing to finance a...

Can I Buy An Over 55s Property for a Parent or Grandparent?

Can a young person buy a retirement property for their parents or...

Two Mortgages on One Property

Can I have two mortgages on one house? I already have a mortgage...

Which mortgage lenders allow unlimited overpayments?

It's uncommon to find mortgage deals with truly unlimited...

Let to Buy for New Property Purchase

There’s a term given to the process of releasing equity from your...

Can I Get a Mortgage if I Have an Overdraft and Credit Card?

It is possible to get a mortgage with poor/bad credit in the UK,...

Can I Get a Debt Consolidation Mortgage or Loan?

Yes, it is possible to obtain a debt consolidation mortgage or...

Can I Remortgage Within 6 Months of Purchase?

Find out how quickly you can remortgage a house after purchase...

Do I Need a Credit Score to Buy a House?

There are mortgage options for people with no credit history -...

Can I Remortgage a Right to Buy Property?

This is where you have the ability to buy a home from the...

What Is the Minimum Size for a Flat to Get a Mortgage?

What is the minimum square footage needed for a mortgage? I own a...

Can I Buy a House and Rent It to a Family Member?

Whether you can rent a property to family will depend on your...

Can I Convert My Mortgage to Buy-to-Let?

There are 2 main options when you want to let out a property with...

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