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.

How to buy 50%... sharing with a private investor

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...

Read more

Category: First-time buyer, Guaranteeing & buying with child, Shared ownership

How can we raise the money needed to pay back the third party investor plus keeping our mortgage?

Posted on 17 January 2008

My partner purchased a house 3 1/2 years ago for £180,000. He had a mortgage of £90,000 and the remainder of the money was invested by a friend. We have 18 months left before we have to "give back" the investment money to the...

Read more

Category: Raising capital out of property, Shared ownership

We don't have enough savings to put down a 10% deposit for a first time mortgage? Are we eligible for an ownership sharing scheme?

Posted on 17 January 2008

Hi Katie, I am a first time buyer (joint). I don't have much savings to put in a 10% deposit for a mortgage. I would like to go for an ownership sharing. What are the eligibility criteria for this? Our combined annual income is...

Read more

Category: Shared ownership

I bought a stake in a shared ownership mortage and would now like to release the equity to buy another property, is this possible?

Posted on 19 October 2007

Hello, I bought a 25% (£80000) stake in a shared ownership property 5 years ago which was valued then at £320000. I'm remortgaging shortly as the 5 year fixed rate mortgage period is ending. I have a faultless payment record and...

Read more

Category: Shared ownership

Which lenders do shared ownership - Part Buy/Part Let basis?

Posted on 25 September 2007

My son is about to arrange a mortgage on a part buy/part let house from a local housing assoc.Are there some top specialist lenders or will all building societies be able to help?

Read more

Category: Shared ownership

What are the mortgage options for my daughter earning £25,000?

Posted on 29 August 2007

My daughter is a nurse, 27, single and working in London. Annual income I believe to be £25,000, no significant loans or credit card debts. Are there any mortgage options available to her for a £180,000 flat which she has found?

Read more

Category: First-time buyer, Lower mortgage payments, Shared ownership, Special circumstances, Tax issues

I want to buy out the housing association from my shared ownership scheme but I've got bad credit?

Posted on 24 July 2007

I purchased a property under a shared owership homebuyers scheme in 1999 with myself having 40%.  I now think i want to buy the other share from the housing association, as well as buy a property for a buy-to-let.  My...

Read more

Category: Shared ownership

What's the best way for friends to arrange a mortgage together?

Posted on 20 July 2007

I have dealt with Charcol in the past but just have a question.  I am one of a group of five friends looking to purchase a house together. Which is the best way to go about this with regard to arranging a mortgage? We all...

Read more

Category: Buy-to-let, Shared ownership

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.

Question