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 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.
When you buy the freehold of a property, you buy the property and the land on which it stands in perpetuity. However, not every property is freehold. Some are leasehold, which means you own them for a set number of years and don't own the land on which they stand.
You have to pay Capital Gains Tax when you sell a second home or property. Figuring out how much you’ll pay can be tricky – but we’ll walk you through how it works in this guide.
How will Brexit affect the property market? We asked our expert Ray Boulger common questions people have about what to expect. Here's what he said.
When it comes to buying your first home, there is often one factor that gets in your way - your deposit. However, there are a few alternatives for those struggling to buy a home, these include: the Help to Buy Equity Loan and Shared Ownership scheme.
It’s easy to see why Airbnb has exploded in popularity. It’s great for travellers because it’s flexible, cheap and – more often than not – you end staying somewhere that’s still pretty nice, despite the fact it costs less than a hotel. With such a demand for cheap, short-term stay, setting up an Airbnb can also be extremely lucrative. But, how exactly do you set up an Airbnb? And what kind of mortgage would you need?
Maternity pay is always a hot topic, but what happens if you’re self-employed? Recently, John Charcol carried out a survey to discover what mothers really think about self-employed maternity pay and whether having a baby whilst self-employed is affordable.
So you’re looking to move home? The process of moving home is usually for positive reasons, like moving to a new area, buying a larger property or because you’re starting a family or perhaps a new job? It’s often said that the process of moving home can be stressful and traumatic but it needn’t be, at least not from the perspective of your existing mortgage finances.
Buy to Let (BTL) portfolios, as with any investment or business decisions, require proper reviews to assess their strengths and weaknesses and that any money spent is well placed and not wasted. On that note I want to share with...
Chancellor Phillip Hammond recently delivered his 2018 Autumn Budget on Monday 29th October, the last before Brexit. There were a lot of new changes that probably won’t affect you all that much. And some that will. We’ve picked out the main points, so you know exactly which changes benefit you and which could cause problems.
We take a look at the current millenial housing trends and what they can do to increase their chances of getting a step on the property ladder.
The blog postings on this site solely reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.