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 September 2008
Hi Bea,
I currently own a flat in London with c£70k equity tied up and a variable rate mortgage, I am also (due to personal circs) renting in Berkshire.
Due to market conditions I am struggling to sell, therefore,...
Posted on 29 September 2008
I am 54 and own my own house worth approx £250.000 at todays prices, i do not want to return to work, but somehow release money from the house,my daughter has just graduated and secured a job away from home, and is renting a...
Posted on 18 September 2008
My partner and I are splitting up after a year and a half in a house that we bought. We pay half the mortgage each, and he paid the deposit. What happens to our mortgage? I think we might sell, although he might loose his deposit...
Category: Separation or Divorce
Posted on 16 September 2008
i have seperated from my hubby and we were going to put the house up for sale. it is valued at 102000. if i bought him out i would need a mortgage for 65000. my annual gross earnings before tax is 11000. would i be able to get a...
Category: Separation or Divorce
Posted on 11 September 2008
my husband & i are seperating however our home is part of a farming business that we have run together so we are unable to sell to split proceeds. (also the business is likely to be sold/developed in the next 5 years or so)rather...
Category: Separation or Divorce
Posted on 11 September 2008
I'm 2 months away from the end of a 2 year fixed rate near/sub-prime mortgage(6.65% which will jump to 8.8%) I'm considering moving to a new build home with the bonus of having a much lower mortgage payment and consolidating my...
Posted on 7 September 2008
Hi Katie I am 61 years old working full time and have an outstanding mortgage of 110,000.00 this mortgage is in joint names with my partner my property value is approx 180,000.00 so there is not enough colateral to enable me to...
Posted on 6 September 2008
my wife has left the home she wants half of the value of it, there is 3years left on my morgage to pay £34489.52,.i also have an endownment policy which is due to to make up the shortfall in 3years time ...
Category: Separation or Divorce
Posted on 2 September 2008
I am on a salary of 20k and currently live in social housing paying a low rent (£300 pcm). I have 40k in savings.
My goal is to be a homeowner. However, I dont know which is best.
To stay put and get a lodger who would cover...
Posted on 1 September 2008
Hi we have a fixed rate mortgage with the Northern Rock which runs out in January 2009. The mortgage is also a £10,000 loan for the property. What would be the best options for us. Do we take out a new mortgage covering both th...
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.
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