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.
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.
There are a lot of costs associated with moving house, from stamp duty, survey costs, estate agents fees etc… No wonder that some people decide moving is too stressful and expensive, and decide instead to extend their current home.
The Channel 4 show, Love it or List it, presented by Kirstie Allsopp and Phil Spencer has shown us that we don’t necessarily need to move to get a bigger, better house. And over the last few years, we’ve seen that more and more of our clients are looking to stay put and renovate and improve their homes.
If you're a homeowners paying a standard variable mortgage rate of 2.5% and above, with a decent credit score and 10%+ equity, then you should be looking at switching your mortgage and potentially save money over the course of your mortgage.
We look at a question from a Metro reader, who asks: 'I've been offered a mortgage by one lender, but a new and better deal has come out – can I apply?'
Our mortgage expert Alistair looks into how best for self employed clients or those who are a Director of a limited company, to demonstrate their true earnings potential when looking at a new mortgage. Please note, this is not designed to provide tax advice –please seek advice from a relevant tax professional for your own situation.
One of the first questions people ask us when they are embarking on a house purchase or re-mortgage is how much they can borrow. I always give the same answer: it depends.
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.