I Had a Joint Mortgage with My Ex-Wife Now I'm Off that and on My Own Am I a First Time Buyer Again? After separation, what am I classed as for mortgage purposes? Am I a first time buyer, even though…
Can I Get a Self-Build Mortgage for 2 Properties? I am planning to build a pair of semi detached houses on land I own. We will live in one house and either rent or sell the other, depending on market…
Love's Young Dream - A Realistic Look at Buying Your First-Home Together. Love is in the air and Valentine’s Day is fast approaching. At John Charcol we’re taking a look at the ups and downs of…
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 to buy my parents house? While it's possible to obtain a Buy-to-Let (BTL)…
Swap Rates and Fixed Rate Pricing Start to Diverge Over the last fortnight there has been some jockeying of positions on 2 year fixed rates, with some rates being increased and others decreased.…
A Question of Multiples 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. One…
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, however the lenders and products available to you will depend on the…
I have a £50,000 deposit and would like to purchase a buy to let at £320,000. What are the chances of getting a mortgage for the balance? My salary is only £20,000 p.a. A year ago I bought a place…
Do I Need a Credit Score to Buy a House? There are mortgage options for people with no credit history - including some first time buyers, returning expats and foreign nationals who can remain in the…
I'm Buying a House with My Mother. Can We Get a Mortgage? Hello, My parents are midway through a divorce and are selling the family home to each buy separate properties. My Mother and I are…
