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 29 September 2007
How feasible is to take out a 100% mortgage via a UK lender on a property in Portugal?
Category: Buying abroad, Foreign Currency or foreign tracking rate mortgages
Posted on 28 September 2007
Hi Katie, complicated one for you....!
I own 2 buy to let properties, and have had enough with being a part time landlord. I have decided to sell one (I would rather keep one, as my pension!) to fund purchasing at auctions to...
Category: Overpayments, Payment Holdays, underpayments, Borrowback, Second properties
Posted on 28 September 2007
I need to borrow £75k to complete on a property costing £720k and I require a further £45k facility to draw down on. The property was a vicarage built in c1870 and currently has D1 commercial offices use. After purchase I shall...
Category: Commercial, Self-build, Special circumstances
Posted on 26 September 2007
Will it be possible for me to buy out my husband? I am 53 and work as a nurse. How do people decide the price that you have to pay to buy out.
Category: Raising capital out of property, Separation or Divorce
Posted on 26 September 2007
My wife and me are currently building a second home which we intend to let out to her parents. My wife is 51 and I am 57, both intend retiring at 65. Our current property mortgage finishes in March 2008 and the property is worth...
Category: New build, Raising capital out of property
Posted on 25 September 2007
My son is about to arrange a mortgage on a part buy/part let house from a local housing assoc.Are there some top specialist lenders or will all building societies be able to help?
Category: Shared ownership
Posted on 24 September 2007
I've got a mortgage made up from two parts. The first part was portable from our previous house and currently has £23,000 remaining with one year left on a fixed rate of 3.89% which then moves to a variable rate.The second part...
Category: Remortgaging
Posted on 24 September 2007
British Citizen living overseas , I need a buy to let mortgage, please advise if this possible.
Category: Ex-pats mortgaging in the UK
Posted on 24 September 2007
I have 240K equity in my flat which I want to release to buy a second property that I will live in. I would rent the current property out. My property has been valued at £300-£320.00K. The current mortgage is £60K The rental...
Category: Buy-to-let, Raising capital out of property, Tax issues
Posted on 24 September 2007
I'm looking to borrow £180 0000 what would the repayments be per month?
Category: Lower mortgage payments
Posted on 18 September 2007
My partner and I are looking to re-mortgage our house. I have been with my present employer 6 months and have just completed my probationary period. I have to complete another 6 months before I get my permanent contract, before...
Category: Temporary employment
Posted on 18 September 2007
If I remortgage my existing house so as to be able to purchase a buy to let property, will I be able to offset the loan interest attributable to the buy to let against the rents received?
Posted on 17 September 2007
I would like to remortgage my house, it is worth £175,000 and I would like to borrow £150,000. My husband and I have separated. He doesn't want anything from the house but has left some debt that's in my name. I have 3 children,...
Category: Self-certification
Posted on 16 September 2007
I really need your impartial advice, First National Home Finance via Pink Home Lenders have agreed to provide me 3 year fixed rate mortgage @ 6.14% (re-mortgage). I believe when I initially applied the rate was only 5.5% and in...
Category: Fixed or Variable?, The application process explained
Posted on 15 September 2007
On a buy to let interest only mortgage, how is the interest calculated?
Category: Buy-to-let, Lower mortgage payments
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
- 100%+ borrowing (6)
- Bad credit (19)
- Bridging loans (3)
- Buy-to-let (35)
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- Consolidation of debts (9)
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- Current rates & the market (15)
- Endowments (1)
- Equity release (4)
- Ex-pats mortgaging in the UK (2)
- First-time buyer (27)
- Fixed or Variable? (9)
- Foreign Currency or foreign tracking rate mortgages (6)
- Guaranteed" home-buy schemes (1)
- Guaranteeing & buying with child (5)
- Holiday homes (2)
- Interest only vs repayment (12)
- Legal matters (3)
- Let-to-buy (10)
- 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)
- Self-build (8)
- Self-certification (8)
- Separation or Divorce (16)
- 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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