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 I Get a Mortgage on Land Without Planning Permission?

Unfortunately self build lenders will require outline planning...

I've missed a mortgage payment, help!

I have just applied to borrow money on my mortgage with Abbey. ...

Can I buy others out of Inherited Property

I’ve inherited a property and I want to buy my sibling out of the...

Is It Possible to Use the Equity from Our Home to Buy a Property in France?

We would like to use the equity from our home to by a property in...

What happens to my mortgage after getting a divorce?

What happens to our mortgage after divorce?

Is there still 100% mortgages?

Is there still a 100% mortgage?

Two flats within a Freehold Property

I have had an offer accepted on a freehold property which is...

Will previous issues paying affect my chance of getting a mortgage?

I am about to apply for a mortgage and am worried about my credit...

Can you be named on 2 residential mortgages?

Hi I split from my wife a few years ago and now live in our home...

Can I remortgage my parent’s property?

I currently live with my partner in a property owned by my...

Can I be a guarantor for a buy-to-let mortgage?

Is it still possible to get a guarantor mortgage? I would like...

Is there a dependent relative mortgage?

I have heard about a dependent relative mortgage. Is there such a...