Your mortgage questions answered

Unlock the door to your dream home with expert mortgage advice from the team at John Charcol. With nearly half a century of experience in the mortgage industry, we are well-equipped to demystify the home-buying process, helping you secure the best mortgage deal and smoothly navigate the property market.

Whether you're a first-time buyer, upgrading your home, or exploring refinancing options, we have the insights and expertise to guide you every step of the way. Don't leave your mortgage to chance - empower yourself with our comprehensive mortgage guides that break down the different types of mortgages in simple terms.

For those seeking more personalised advice, or help in complex situations, our Ask the Mortgage Experts section is a great starting point. Here, you can browse through enquiries from real people, get answers from our advisers and even submit your own questions to our team of independent mortgage experts.

Get the answers you need and start your journey to homeownership with confidence today!

Can My Name Be Taken Off a Joint Mortgage Without My Permission?

Your ex can’t simply take your name off the joint mortgage or the...

Can I Get a Debt Consolidation Mortgage or Loan?

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

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,...

Let to Buy for New Property Purchase

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

I Am Over 50 Years Old Can I Get a Mortgage?

A whole section of the mortgage market called “later life...

Can a Parent Be a Guarantor on a Mortgage?

Parents can be guarantors for their child’s mortgage.

Mortgage with CCJ's on My Record

I have several CCJs and looking to apply for a mortgage

Why Can't I Borrow on a Buy-to-Let to Buy My Parents' Home?

Can you tell me why I can't borrow money on a buy to let mortgage...

Can I Raise Money on an Unencumbered Property?

Hi, I own a property worth £1.6m (fully, no mortgage on it). I...

Refused a Second Mortgage on My Property

Can my current mortgage lender refuse a second mortgage on my...

Can I Remortgage an Unencumbered Property?

We own our current home outright - no mortgage. We want to move...

Do Any Lenders Lend Up to 90% or 95% LTV on Buy-to-Let?

Are there any 90 or 95% LTV BTL Mortgages?

Should We Use Our Property as Collateral for Our Son's Mortgage?

We are retired and own our home outright. Our son wants to buy...

Is It Illegal to Have Two Residential Mortgages?

Hi there, I am currently living in a flat (by residential...

Can You Get a Mortgage on a Tier 2 Visa?

My partner and I are looking to buy our first property, however...

HSBC Mortgage Declined

Just because you have been declined by HSBC doesn't mean that you...

Shared Ownership and Stamp Duty

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