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 21 May 2008
I am a first time buyer who wants to buy a flat in London. Some people are saying to wait as prices are expected to fall by 12%-18% over the next 2 years nationally. Can this price drop be expected in London or other "hot spots"?...
Category: Current rates & the market, First-time buyer
Posted on 19 May 2008
What are the best rates available in 10 year fixed rates?
Category: Current rates & the market
Posted on 19 May 2008
I cant afford to make over payments but I need a mortgage where I can take payments holidays as we would like to start a family in the next few years and could not afford to pay our mortgage whilst I would only be on standard...
Category: Overpayments, Payment Holdays, underpayments, Borrowback
Posted on 16 May 2008
Will your adviser tell me about deals only available direct from lenders?
Posted on 16 May 2008
My mother had a fall recently and after several weeks in hospital she is now staying with me as I live in a bungalow. We are very overcrowded so it is not an ideal situation. Her house is on the market for 89950 which is a...
Category: Mortgages in retirement, Raising capital out of property, Special circumstances
Posted on 15 May 2008
can you cash part of your pension to put down as a deposit on a house.We have been renting for a while and have no extra cash
Posted on 14 May 2008
What reason for a payment holiday would be acceptable to my lender? I am on the verge of taking voluntary redundancy & want to take time off whilst looking for a suitable new post.
Posted on 14 May 2008
We have just started making overpayments on our mortgage beginning with £10,000 off, continuing with £200-£500 a month hopefully. Is it better to reduce the term or reduce the mortgage payment amount but continue paying the...
Category: Offset mortgages, Overpayments, Payment Holdays, underpayments, Borrowback
Posted on 13 May 2008
My ex boyfriend is selling the flat we lived in in West London. We are on very good terms and have been working together on getting it ready for sale. It was bought in 2000 for 72k and is now worth around 153,000. The mortgage...
Category: Bad credit, Secured loans
Posted on 12 May 2008
Are there still any lenders out there with deals for newly-discharged ex-bankrupts looking for a mortgage? I would be buying with someone else who has a 25%-30% deposit to put down.
Category: Bad credit
Posted on 8 May 2008
We are interested in purchasing a 'holiday home' the difference is we will be living in it 12 months of the year (1 weekend a month away)is this something we could get a mortgage on, its classed as a holiday home because it is on...
Posted on 8 May 2008
I have a house in my sole name on the market for £350,000 with £130,000 left on the mortgage. In the current climate it's not shifting. We don't want to lose the house we want to buy which we have agreed a fee of £440,000 for. I...
Category: Let-to-buy
Posted on 6 May 2008
I have a mortgage of 100k which is on a fixed rate of 4.84% until 1.3.10 and need to borrow 60k for an extension. Is the best thing to borrow on a homebuyers loan from my existing provider? Or should I remortgage? If I go with...
Posted on 5 May 2008
I am buying a flat in Dubai. I can meet the first 3 payments and I will then need a mortgage to cover the rest.
Although I won't need a mortgage for at least 8 months, I am concerned about insuring myself in case I became unable...
Category: Life assurance/ protection
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)
- Buying abroad (20)
- Commercial (4)
- Consolidation of debts (9)
- Council houses (4)
- 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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