Ask Bea
Bea's Biography
Bea began her career in financial services in August 2001, as an underwriter for Chelsea Building Society. In January 2004 she joined Clydesdale Bank as a Mortgage Adviser, and then joined John Charcol in January 2007 as a mortgage consultant. John Charcol, the sister company of Charcol, provides independent mortgage advice.
Bea’s has been chosen as our mortgage expert due to her excellent reputation both within John Charcol and with her clients through exceptional customer service and management, and first class broking skills. Bea typifies the standards clients can expect from John Charcol. In the words of one of her clients, “Bea has arranged our transaction and has explained what is happening at every stage of the process. I am very pleased and impressed with both her approachable, common sense attitude and ability to obtain the best deal on both my properties, securing mortgages that were far better than what I was used to paying. At every point of contact Bea has been professional and extremely helpful, going above and beyond what would normally be expected.”
Outside of work Bea lives in Richmond with her husband and enjoys reading, painting, good food and great wine.
If you would like to discuss your specific situation in more detail, or would like further advice, please call and speak to one of our qualified mortgage consultants now on: 0845 034 2100
STOP PRESS - Due to a techncial fault beyond our control, we have just found out that we have lost a number of questions submitted over the last month or so. We are extremely sorry about this and apologise to those that are still waiting for a response. If you could re-submit yout question we will endeavour to answer it as soon as possible.
Please be aware that these answers can only be generic and no personal recommendations can be made.
Posted on 30 December 2007
I have recently taken out a mortgage with a fixed rate for 2 years on a repayment deal. I have an online account and can see the details of my mortgage payments. For example, paid in £740, paid out £451, which leaves £289 to be...
Category: Overpayments, Payment Holdays, underpayments, Borrowback
Posted on 30 December 2007
My discount period ends in March 2008. When should I approach my existing lender to see if they can offer me a new deal or apply for a remortgage. Thanks. Simon
Category: Remortgaging
Posted on 30 December 2007
My sister and I are arranging a remortgage on a property we own together for £129,000. As I would like to be able to buy a property on my own in the summer, we are going to put the house into either solely my name (I would then...
Category: Remortgaging
Posted on 28 December 2007
My parents are selling their house to buy a retirement flat from a friend. They must complete the deal before the end of March 2008 or they will lose it. Their house is on the market at £125,000 and they are buying at £99,000...
Category: Buy-to-let, Legal matters, Mortgages in retirement
Posted on 26 December 2007
My current two year fixed rate with Nationwide is coming to an end on the 29th February. I am considering opting to replace it with Nationwide's 5 year fixed rate for existing customers at 5.63% but, in view of the current...
Category: Current rates & the market, Lower mortgage payments, Remortgaging
Posted on 20 December 2007
I'm looking to borrow more money on our house. Our house is valued at £175,000, our current mortgage £50,000 plus £28,000 on secured loan. I want to consolidate my debt. I have credit cards and want to clear them. What options do...
Category: Consolidation of debts, Lower mortgage payments, Overpayments, Payment Holdays, underpayments, Borrowback, Unsecured loans
Posted on 20 December 2007
Hi Katie, in your reply to Mr Churms you say 'Of the few lenders that could offer you a mortgage, only a few could do so for more than a few years' Can you please tell me who these few are? As I would like to re-mortgage, and not...
Category: Equity release, Mortgages in retirement
Posted on 19 December 2007
I am coming to the end of my fixed rate (March 2008) but my home is under permission to let as I am out of the country for a year working in Bermuda. I would like to re-mortgage. Do I need to switch to buy to let if it is my only...
Category: Ex-pats mortgaging in the UK
Posted on 19 December 2007
Hi, Is there anyway you can work out for me what the interest would be on £103,000 mortgage? Sally
Category: First-time buyer, The application process explained
Posted on 19 December 2007
I am hoping to place an offer on a property with a flying freehold on 2 of the bedrooms to the property. I understand not all mortgage lenders will accept this. Which ones do you suggest we approach first?
Posted on 17 December 2007
Hi Katie, I have a mortgage of £50,000 I need to borrow £25,000 more. How much would a £75,000 mortgage cost me?
Category: The application process explained
Posted on 16 December 2007
Hi Katie, I heard there are 8500 mortgage products out there. How different can they really be? - grateful for your insight. Thanks, Clive.
Category: First-time buyer, The application process explained
Posted on 14 December 2007
We have a London flat, (no mortgage outstanding) currently on the market @ £1.5million. We have made an offer of £455,000 on a leasehold (113 years) flat in Bath. I am 78 my wife 79, our joint pension amounts to £50,000 pa. Would...
Category: Let-to-buy, Mortgages in retirement
Posted on 13 December 2007
Hi Katie. With the reduction in the base rate of interest and the seemingly daily speculation about the state of the housing market, is it wise or foolish to buy now as a first time buyer? Are the risks of acquiring a lot of...
Category: First-time buyer
Posted on 10 December 2007
I bought my house in 1987 for £20,500. When my wife moved in ten years later the value went up to £55,000, is this £35,000 mine or is it to be split between us with the other equity occurred over the next 10/11 years? She has...
Category: Separation or Divorce
Answers provided in response to Ask Bea are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They reflect the personal views of the authors and do not neccessarily represent the views, positions, strategies or opinions of Charcol Limited. All comments are made in good faith, and neither Charcol Limited nor Bea will accept liability for them.
We recommend you seek professional advice with regard to any of these topics where appropriate.
Categories
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- Fixed or Variable? (9)
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- Legal matters (3)
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- Life assurance/ protection (1)
- Lower mortgage payments (42)
- Mortgages in retirement (20)
- New build (3)
- Offset mortgages (9)
- Overpayments, Payment Holdays, underpayments, Borrowback (13)
- Raising capital out of property (11)
- Remortgaging (50)
- Second properties (13)
- Secured loans (8)
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- The application process explained (10)
- Trusts (1)
- Unsecured loans (3)
- Valuations, Freehold, leases & unusual property (14)
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