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 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 17 March 2008
Hi Katie, my wife and I are looking to buy around September time. The house price is around £150,000-£155,000. If we consolidate our debts we could achieve a £15,000 deposit. Our joint income is £47,000 and the loan repayments...
Category: Consolidation of debts
Posted on 18 February 2008
Our monthly income is approx £4,000. We have debt accumulated to £23,000. Our current mortgage of £160,000 is with Northern Rock and our current repayment is £1,200 per month. If we consolidate and remortgage for £185,000 over 17...
Category: Consolidation of debts
Posted on 13 February 2008
I have got a 40% stake in a shared ownership flat. I already have a secured loan on it for £24,000 along with unsecured debt when I was married. The only thing is, I have adverse credit, and no one will touch me with a barge...
Category: Bad credit, Consolidation of debts
Posted on 8 February 2008
Hi there, my girlfriend and I want to get a mortgage, but we both have about £5,000 of debt. Would it be possible to consolidate this debt into a mortgage without any deposit to lay down. It would be our first mortgage. What...
Category: Consolidation of debts
Posted on 17 January 2008
I'm looking to borrow more money on our house. Our house is valued at £175,000. Our current mortgage is £50,000 plus £28,000 on a secured loan. We want to consolidate our debt. We have credit cards as well and want to clear...
Category: Consolidation of debts
Posted on 10 January 2008
Our monthly income is £2,000 yet our total outgoings per month are £2800. Much of this shortfall has been spread across credit cards that now total £15,000 with the 0% offers ending around June this year. We are currently only...
Category: Consolidation of debts, Current rates & the market, Lower mortgage payments, Remortgaging
Posted on 6 January 2008
I'm looking to remortgage for £130,000 to pay off debt. My house has £60,000 equity in it and I have excellent credit rating, but because of the lending crunch no-one can seem to help. Is there a way of getting the equity out on...
Category: Consolidation of debts, Remortgaging
Posted on 20 December 2007
I'm looking to borrow more money on our house. Our house is valued at £175,000, our current mortgage £50,000 plus £28,000 on secured loan. I want to consolidate my debt. I have credit cards and want to clear them. What options do...
Category: Consolidation of debts, Lower mortgage payments, Overpayments, Payment Holdays, underpayments, Borrowback, Unsecured loans
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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