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
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 7 February 2008
Is it wise to change mortgage every 2 years, even if staying with the same lender?
Category: Remortgaging
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 8 January 2008
My fixed rate mortgage stops at the end of March. I want to find the cheapest interest rate. Which is better a 2 or 5 year? Is the interest rate going up or down?
Category: Current rates & the market, Fixed or Variable?, 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 3 January 2008
We made the mistake of taking a homeowner loan out against our property and it's proving quite expensive. I want to put this, plus the credit cards into one mortgage payment. Our house is worth approx £115,000 and we would need a...
Category: Remortgaging, Secured loans
Posted on 30 December 2007
My discount period ends in March 2008. When should I approach my existing lender to see if they can offer me a new deal or apply for a remortgage. Thanks. Simon
Category: Remortgaging
Posted on 30 December 2007
My sister and I are arranging a remortgage on a property we own together for £129,000. As I would like to be able to buy a property on my own in the summer, we are going to put the house into either solely my name (I would then...
Category: Remortgaging
Posted on 26 December 2007
My current two year fixed rate with Nationwide is coming to an end on the 29th February. I am considering opting to replace it with Nationwide's 5 year fixed rate for existing customers at 5.63% but, in view of the current...
Category: Current rates & the market, Lower mortgage payments, Remortgaging
Posted on 7 November 2007
We have a joint mortgage on a 10 year term, £80,000 interest only & £53,000 on repayment total £133,000. The house is currently valued at £300,000. Our current tracker ends in Jan 2008 so we are looking to remortgage now. In July...
Category: Interest only vs repayment, Overpayments, Payment Holdays, underpayments, Borrowback, Remortgaging
Posted on 29 October 2007
Please can you Help. We have a £85,000 mortgage with the Abbey, fixed for another 6 months, and took out a loan for 25,000 with First Plus, what a mistake, to pay off credit cards etc. We now have to move with my husbands job. We...
Category: Buy-to-let, Remortgaging, Secured loans
Posted on 18 October 2007
Most of your mortgage deals require valuation. If I have a recent valuation would it be accepted by the bank so I don't have to pay valuation fee twice? Who could advise me about this when it comes to buy a product through...
Category: Remortgaging
Posted on 11 October 2007
My 2 yr fixed rate mortgage with Nationwide ends in March 2008 (4.84%). I am looking to take out a 5 yr fixed rate mortgage yet cannot decide when to reserve it. with the lowest fixed rates at about 5.6% it is tempting to reserve...
Category: Fixed or Variable?, Lower mortgage payments, Remortgaging
Posted on 11 October 2007
I have been reading some of your advise and i am not sure if i am doing the right thing i renewed my mortgage on 1/9 and have previously just fixed it every 2yrs but decided to fix it for 5yrs at 5.78% and i have also taken out...
Category: Buy-to-let, Remortgaging, 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.
Categories
- 100%+ borrowing (6)
- Bad credit (19)
- Bridging loans (3)
- Buy-to-let (35)
- Buying abroad (20)
- Commercial (4)
- Consolidation of debts (9)
- Council houses (4)
- 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)
Archive
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