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 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 5 March 2008
Hi Katie, we are in an IVA and have our mortgage with Northern Rock. The APR is so high and they will not consider a lower rate. Is there any way I could get a mortgage with an IVA? My husbands income is £33,000 and mine is...
Category: Bad credit
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 24 January 2008
Myself and my partner are trying to get a sub prime mortgage of 95% is this possible? The deposit comes from my partners work as a long service pay award, would this be an acceptable form of deposit?
Category: Bad credit
Posted on 24 January 2008
I'm 27 and earn £17,500 my partner earns £20,000 my partner wants us to buy a house together, I would love to but unfortunately was stupid when I was younger and have bad credit as a result, we have £10,000 deposit and would like...
Category: Bad credit
Posted on 12 January 2008
Hi, help needed urgently please. Our fixed rate with mortgage express ends at the end of March 2008, which consists of a balance of £138,000 interest only and we have a secured loan with yesloans and mortgages. To clear this one...
Category: Bad credit, Secured loans
Posted on 8 November 2007
Hi katie, I would like to buy a pub, but don't know the best way to go around it. The tenant at the moment would like £25,000 and there is 7 years left on the lease. I live in private rented accommodation,and my credit rating is...
Category: Bad credit, First-time buyer, The application process explained
Posted on 15 October 2007
I have a debt plan with CCCS. i owe 52k and have made regular payments for a year but 2 creditors are saying they are to take court proceedings for the amount i owe them. i am in the midst of divorce proceedings and need to find...
Category: Bad credit
Posted on 4 October 2007
I am 3.5 years into an IVA - my mortgage (fixed rate) is due to expire in a couple of months and want to transfer to another mortgage lender as at the time I was told that by the end of the fixed term, I would be in a position to...
Category: Bad credit
Posted on 4 October 2007
I have been given a dreadful credit history by my ex partner, but would like to get a mortgage now on my own. I am a first time buyer and I have £80,000 to put down as a deposit. How difficult will I find it to be accepted or...
Category: Bad credit
Posted on 4 September 2007
I recently applied for a mortgage on an apartment I was intending to let out but rather naughtily, did not take out a buy-to-let mortgage, in order to get a better rate and minimise the fees. The mortgage provider discovered this...
Category: Bad credit, Buy-to-let, Special circumstances
Posted on 22 August 2007
Hi Katie,I am in a debt management plan with the CCCS (all unsecured debt approx. £26,000). I have a £75,000 mortgage with Southern Pacific (it was a right-to-buy mortgage). My 2-year fixed rate mortgage finishes in Feb....
Category: Bad credit, Council houses, Remortgaging
Posted on 9 August 2007
I need £90,000 to put as a deposit for a buy-to-let flat from my existing lender. My current morgage balance is £48,000 and my property value is £260,000 but have they told me that I can only have £24,000 additional...
Category: Bad credit, Lower mortgage payments, Remortgaging, Special circumstances
Posted on 9 August 2007
I am looking to purchase a terraced house for between £80-90 thousand next year with my girlfriend. We're both in full time jobs with good pay. I have a bad credit history from 2001 for a car loan and I have also served a...
Category: Bad credit, Special circumstances
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)
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- Current rates & the market (15)
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- 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)
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- 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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