Our experts cut through the noise to tell you what you need to know

With over 40 years of experience behind us and some of the industry's most quoted experts in our ranks, there's not much we don't know about mortgages.

However, we know our industry is awash with jargon, so our experts aim to keep it simple. Through this blog, social media and our monthly Much Ado About Mortgages newsletter, experienced mortgage advisers explain the nuances of the mortgage market, how economic factors influence the availability of mortgages and get to the meaning behind regulatory changes. 


22/05/2018 by Nicholas Morrey

What are second charge mortgages, why have they increased in popularity and when are they useful? Our resident product technical manager Nicholas Morrey explains what a second charge mortgage is, also known as a secured loan, and when they might be beneficial.


16/05/2018 by Cat

When looking for a property you will need to know how much you can borrow and how much it will cost both in fees and in monthly payments. Selecting and engaging with an independent mortgage broker will help you budget and prepare for this significant next step. Below are some top tips for those about to embark on their first property purchase journey.


25/04/2018 by Kath Sellwood

With the bank of mum and dad just around the corner, it’s becoming more common for parents to give a helping hand to get their children on to the property ladder. Both you and your parents need to ensure that you are making this decision based on the best advice there is available.


11/04/2018 by Cat

Purchasing your first home is likely to be both an exciting and daunting experience, and it will probably be one of the biggest financial commitments you make in your lifetime. We have compiled a handy cheat sheet below of any extra fees you can expect as a first time buyer so you can plan your budget accordingly.


29/03/2018 by Cat

Life insurance or life cover is a precaution you can take to financially protect your family in the event of your death. However the benefits of protection do not end there, and life insurance policies can offer a host of additional benefits that you may not currently be aware of.


15/02/2018 by Katherine

It’s estimated that there are 1.67 million homeowners in the UK that are currently on an interest-only mortgage.


31/01/2018 by Katherine

Tens of thousands of homeowners became accidental landlords in 2017, as homes in the notoriously expensive South East and London struggled to sell leaving their owners no option but to rent them.


18/01/2018 by Richard Morgan-Jee

It’s the start of a New Year and the time when homeowners will be considering if now is the time to move, improve or just stay put and love the home they’re in...


15/01/2018 by Richard Morgan

Barclays has widened its criteria for buy to let mortgages and now accepts applications from first-time buyers and non-owner occupiers.


23/11/2017 by Ray Boulger

Our expert Ray Boulger examines yesterday's Budget announcement from the Chancellor Phillip Hammond


Stay connected....

Association of Mortgage Intermediaries

Legal

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.

John Charcol is a trading name of John Charcol Limited and its Appointed Representatives. John Charcol Limited is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 665649. Registered in England No. 9157892. Registered office address for John Charcol Limited is 5th Floor, Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU. The FCA does not regulate some investment mortgage contracts. Calls may be recorded for training and monitoring.