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 July 2007
Hi Katie. I am in need of some advice rather quickly. We have a mortgage and a secured loan. We have had to have all our debits taken over by paypal because our mortgage is killing us. Where can we get a...
Category: Bad credit, Lower mortgage payments
Posted on 30 July 2007
We have a £65,000 mortgage on a property worth around £125,000. We also have a secured loan for a further £65,000 which is £630 per month. Would it be in our interest to re-mortgage rather than pay this ever...
Category: Remortgaging, Secured loans
Posted on 30 July 2007
My daughter and her boyfriend have just split up. They co-own a semi-detached house that they have spent months renovating, which is now done to the highest quality. He has agreed to a lump sum pay off, leaving my daughter with...
Posted on 26 July 2007
I am in the military, living in MOD property. My wife and I have a house and rent it out. It's a 2 bedroom, we have a daughter and one on the way. We're happy living in the MOD property but we've outgrown our 2...
Category: Buy-to-let
Posted on 26 July 2007
What sort of costs should I expect if I need to take out a bridging loan for a couple of months to stop the chain breaking? I've found a new property but have not yet sold my old house.
Category: Bridging loans
Posted on 24 July 2007
I purchased a property under a shared owership homebuyers scheme in 1999 with myself having 40%. I now think i want to buy the other share from the housing association, as well as buy a property for a buy-to-let. My...
Category: Shared ownership
Posted on 24 July 2007
I am a first time buyer who wants to buy a small house. I am not yet sure if I will live in it or if I will rent it out. Do I have to get a buy to let mortgage or can I get a personal home owner mortgage and then rent it out...
Category: Buy-to-let
Posted on 24 July 2007
We owe approx £30,000 on our house worth approx £280,000. We want to buy a second home in France for £50-70K. Is it best to remortgage our home or get a Euro mortgage to fund the French property, Our existing mortgage will be...
Category: Buying abroad, Remortgaging
Posted on 24 July 2007
We currently have a £28,000 mortgage with Barclays its fixed rate is due to end soon. Would you advise us to use our £9,000 in mini-cash ISAs to offset the interest or look for another competitive fixed rate. We are...
Category: Offset mortgages
Posted on 24 July 2007
I have just finished building a house. I borrowed £94,000 against the land value which I got in a lump sum before I started building. To date I have spent approx £150k and the house is finished - it has recently been valued...
Category: Remortgaging, Secured loans
Posted on 23 July 2007
I currently owe £50,000 on a property worth approx £210,000.I am considering building another property and would need to borrow approx £175,000 to do this if I don't sell my current property first. I intend to sell the second...
Category: Self-build
Posted on 23 July 2007
I owe approx £50,000 on a part repayment, part interest only mortgage. £20,000 of this is interest only. I also have an endowment policy which should cover the £20,000. At the moment the whole plan has 13 years remaining, but I...
Category: Lower mortgage payments
Posted on 23 July 2007
I currently own a house with a fixed mortgage in london. I have recently bought another flat off plan with a friend which I am intending to live in and rent my own house out. Just wondering what mortgages are available and how I...
Category: Let-to-buy, Remortgaging
Posted on 23 July 2007
Do banks accept state benefits such as child benefit and tax credits as further income?
Category: State benefits
Posted on 20 July 2007
My husband has a trust deed that we want to split up as he says that I can keep the house. That means i would have to find a mortgage in my name only - can this be done with him having the trust deed? I want to stay in the...
Category: Self-certification, Trusts
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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- Life assurance/ protection (1)
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- Overpayments, Payment Holdays, underpayments, Borrowback (13)
- Raising capital out of property (11)
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- Second properties (13)
- Secured loans (8)
- Self-build (8)
- Self-certification (8)
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- Shared ownership (8)
- Special circumstances (29)
- State benefits (1)
- Tax issues (9)
- Temporary employment (2)
- The application process explained (10)
- Trusts (1)
- Unsecured loans (3)
- Valuations, Freehold, leases & unusual property (14)
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