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 27 October 2008
Which institutions offer drop locked tracker mortgages ?
Posted on 25 October 2008
I have am Interest only mortgage with db bank of £210k which is not due for remortgage until 2009, payments up todate, no missed pyt, in the current climate would I be abe to get part repayment/interest or is it best to continue...
Posted on 20 October 2008
HI I AM THINKING OF BUYING MY EX PARTNER OUT OF OUR HOME WE HAVE HAD TOGHER FOR 5 YEARS WE HAVE BEEN SEPORATED FOR 4 YEARS BUT BEEN VERY AMICABLE ABOUT THE MORTGAGE AND ALWAYS SPLIT THE PAYMENTS 50\50 THERE IS NO ANIMOSITY SHE...
Posted on 19 October 2008
Hi
Myself & my partner took out a 30 year mortgage with 5 year fixed rate exactly 2 years ago. We have now decided to split up and would obviously incur charges to change mortgages and the house is in negative equity we were...
Posted on 16 October 2008
I am planning to buyout the share of my sister in the property in which I cuurently live (alone) and we own jointly. As there is only 5 years of loan left on theproperty, I will need to take out a loan to pay my sister's share....
Posted on 13 October 2008
We have an endowment mortgage (10 years)which up to the credit crunch was on Track. What effects will the downfall of the stock market have on its value?
Posted on 12 October 2008
HI
I am looking to raise my own mortgage and buy out my exs share of the property. We both own the property.
If I get a mortgage offer as the buyer can I make him a lesser offer than the 50% of the value of the property...
Posted on 10 October 2008
my husband and i have retired and would like to move to cyprus.the house market is slow and we need to sell our house first.if we kept our house how could we raise money to buy an apartment abroad.and then we could have 6months...
Posted on 5 October 2008
I am considering putting my house in part exchange for a more expensive new one.
Do I need to pay the full stamp duty on my purchase or only on the difference in value?
Thanks
Peter
Posted on 3 October 2008
Hi Bea, can you advise any companies who will look through your credit report and advise you of how credit worthy you are and how likely a mortgage will be?
Posted on 2 October 2008
We are looking to buy a property for approximately £400-£450k but have trouble finding a buyer for our home which is on the market for £265k, a property we are keen on has now been offered as part exchange available and the...
Posted on 2 October 2008
my partner has recently left the household. We have a child that remains with me at the moment. when she gets her own place we will have roughly 50-50 care of her. The house mortgage is in both of our names. is she liable for...
Posted on 1 October 2008
I am in a bit of an unusual situation. I bought a flat which i lived in and could comfortably afford the mortgage (a 2yr fix). A year into this I moved in with my partner and am fortunate to not have to pay any rent to her. I...
Posted on 1 October 2008
I have a £48k mortgage with GMAC and a £10k loan with Norton finance. I used to have a Halifax mortgage but got into arrears and had a default notice three and a half years ago, since then I’ve been with GMAC and had 3 late...
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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