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 21 May 2008
I am a first time buyer who wants to buy a flat in London. Some people are saying to wait as prices are expected to fall by 12%-18% over the next 2 years nationally. Can this price drop be expected in London or other "hot spots"?...
Category: Current rates & the market, First-time buyer
Posted on 4 May 2008
Bit of a convoluted question but I hope you can help...! I am a first time buyer and I'm considering a shared ownership type arrangement with a family friend who is looking to invest in property. Would it be possible for us to...
Category: First-time buyer, Guaranteeing & buying with child, Shared ownership
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 27 March 2008
I have a deposit of £25,000 with another £25,000 in shares and investment funds. I am single, aged 39 and have no debt. Would it be possible for me to get a mortgage for £180,000. I earn £22,000 per annum.
Category: First-time buyer
Posted on 17 March 2008
I have just bought my first property. I took a mortgage with RBS. Our monthly payments are very high - we have a fixed rate of 6.35% for 5 yrs. We are struggling with repayments, can we exit this mortgage without having to pay...
Category: First-time buyer, Lower mortgage payments
Posted on 5 March 2008
I've heard about the 125% mortgage being fazed out. I'm a first time buyer without a deposit and no chance of really raising one, however I want to get on the property ladder asap as I'm wasting my money on rent! What are the...
Category: First-time buyer
Posted on 28 February 2008
Hi, my interest only mortgage deal is due to run out in April 2008. I hope to sell my property before then. I assume if sold before April I will part with my lenders with any profit made? My question is, when I go to buy again...
Category: First-time buyer
Posted on 14 February 2008
Hi, I can afford to pay £600 per month back on a mortgage. How much roughly would I be able to borrow?
Category: First-time buyer
Posted on 5 February 2008
Are my husband and myself eligible for a first time buyer mortgage? We have had a mortgage previously, but for the last 18 months have lived in rented accommodation (by choice - no arrears prior to that).
Category: First-time buyer
Posted on 5 February 2008
How much would a £50,000 mottgage cost me a month?
Category: First-time buyer
Posted on 4 January 2008
I have a significant amount of personal debt, but a good income and have never bought before. Is there a way for me to combine my personal debt with a mortgage to get onto the property ladder? Is it an option you would recommend?
Category: 100%+ borrowing, Current rates & the market, First-time buyer
Posted on 19 December 2007
Hi, Is there anyway you can work out for me what the interest would be on £103,000 mortgage? Sally
Category: First-time buyer, The application process explained
Posted on 16 December 2007
Hi Katie, I heard there are 8500 mortgage products out there. How different can they really be? - grateful for your insight. Thanks, Clive.
Category: First-time buyer, The application process explained
Posted on 13 December 2007
Hi Katie. With the reduction in the base rate of interest and the seemingly daily speculation about the state of the housing market, is it wise or foolish to buy now as a first time buyer? Are the risks of acquiring a lot of...
Category: First-time buyer
Posted on 8 December 2007
Hi Katie, I am 49 and I bring home £1,200 a month. Can I get a mortgage?
Category: First-time buyer
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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- Overpayments, Payment Holdays, underpayments, Borrowback (13)
- Raising capital out of property (11)
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- The application process explained (10)
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- Valuations, Freehold, leases & unusual property (14)
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