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 2 May 2008
Firstly I’d like to congratulate you on offering such great advice to people, I must confess your blog has become something of a regular read for me, have learned a lot from all the questions. So I’m hoping you can do the same...
Posted on 2 May 2008
I would like to find comparison rates for mortgages to build a home - I can't seem to find any on your website?
Category: Self-build
Posted on 2 May 2008
We have our house on the market and are looking to move into a bigger house which of course will costs us more money. What do we need to do in terms of our mortgage. We are with Alliance & Leicester and our current deal runs out...
Category: The application process explained
Posted on 29 April 2008
Could you explain the difference between a discount tracker and a variable rate tracker?
Category: Fixed or Variable?
Posted on 29 April 2008
I want to buy a new home. I have a £159k mortgage on a house which is not selling at the moment and the rental figures for this house won't cover 125 % of the mortgage payments. I also have a holiday house in Scotland with no...
Category: Current rates & the market, Let-to-buy
Posted on 29 April 2008
My partner and I currently have a joint mortgage with Nationwide. Our property is worth approximately £200K. The outstanding balance is we owe is £130K. Our total take home salaries amount to £60K.
Category: Buy-to-let, Let-to-buy
Posted on 24 April 2008
My partner and I are looking to buy our first property. I am employed and earn £24,000 a year. He is self-employed and earns around £18,000 a year BUT the problem we have is that he is unable to prove his income as he does not...
Category: 100%+ borrowing, First-time buyer
Posted on 24 April 2008
I purchased the other half of my shared ownership property in 2003 valued at £173,000. I combined my mortgage halves with Northern Rock. The fixed term comes to an end in October 2008 after five years. I need another mortgage....
Category: Current rates & the market, Remortgaging
Posted on 24 April 2008
I have a part interest part capital repayment mortgage. The fixed rate expires in April 2008, the endowment matures in October 2008. Should I revert to the variable rate until October before considering another deal?
Category: Remortgaging
Posted on 24 April 2008
I live and work in Paris. I own 3 properties outright with no mortgage. I have only one home improvement loan of 56,000 Euros (about £40,000). I have seen a property in England for £175,000. Is there any way I can buy this before...
Posted on 24 April 2008
Hi, I currently have a house estimated at £250,000, I want to do a buy to let, rent out the property and move into another worth £300,000. How much deposit would I need for both of these properties?
Posted on 24 April 2008
I have 2 BTL mortgages of £20,000 each, so that is £40,000 combined. The properties are worth £110,000 each so that is £220,000 combined. I would like to release £30,000 for my primary home improvements. What is the best rate...
Category: Buy-to-let
Posted on 24 April 2008
I am 41 and getting divorced. The family home is worth £285,000 but is difficult to sell. I have an interest only small mortgage of £1,100 per month as my mum lent us £115,000. I have a new well paid job of £75,000 +pa and need...
Category: Separation or Divorce
Posted on 24 April 2008
Hi, my partner works for himself as a musician. He is currently paying off a gigantic tax bill that's making his finances very stretched. Also he owes £30,000 on cards and loans. This is the bad news. The good news is that he...
Category: Consolidation of debts
Posted on 7 April 2008
Hi Katie, I am thinking about remortgaging. I have a £138,000 interest only mortgage, a £12,000 unsecured loan and a credit card of £2,800. I am thinking of consolidating the unsecured loan into the mortgage. Can you tell me if a...
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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