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href="/enquire-now/" title="Enquire Now"><span>Enquire Now</span></a></span></li><li class="menu" data-target="#primaryNavigation"><span>Menu</span></li></ul></div></div><div class="headerCTA"><div id="telephone"><div class="whitelabel"><span class="label">Mortgage Enquiries</span><span class="rTapNumber254999" onclick="rTapClickToCall(254999)">0330 433 2927</span></div></div><span class="or">or</span><a href="/enquire-now/" title="Enquire Now"><span>Enquire Now</span></a></div><div class="clear"></div></div></div><div id="primaryNavigation" itemscope itemtype="http://schema.org/SiteNavigationElement"><nav><div class="wrapper"><ul class="navigation horizontal" role="list"><li class="first"><a href="/" title="Home" class="main-navigation"><span>Home</span></a><div class="subNavDropDown"><div class="abstract"><h3 class="featuredHeading"><a href="/">Home</a></h3></div></div></li><li class="hasChildren"><a href="/mortgages/buy-to-let/" title="Buy to Let" class="main-navigation"><span>Buy to Let</span></a><div class="subNavDropDown"><div class="abstract"><h3 class="featuredHeading"><a href="/mortgages/buy-to-let/">Buy to Let</a></h3><p>Turn your property into a worthwhile investment.</p></div><div class="subNavWrapper"><ul class="subNav"><li class="spacer first"><span>Mortgages</span></li><li><a href="/mortgages/buy-to-let/" title="Buy to Let" class="main-navigation"><span>Buy to Let Hub</span></a></li><li><a href="/mortgages/best-buys/buy-to-let/" title="Buy to Let Mortgages" class="main-navigation"><span>Buy to Let Mortgages</span></a></li><li><a href="/mortgages/best-buys/ltd-company-buy-to-let-mortgages/" title="LTD Company Buy to Let Mortgages" class="main-navigation"><span>LTD Company Buy to Let Mortgages</span></a></li><li><a href="/mortgages/best-buys/buy-to-let-remortgages/" title="Buy to Let Remortgages" class="main-navigation"><span>Buy to Let Remortgages</span></a></li><li><a href="/mortgages/best-buys/portfolio-landlord-mortgages/" title="Portfolio Landlord 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Guide</span></a></li><li class="spacer"><span>Tools</span></li><li><a href="/mortgage-calculators/buy-to-let-mortgage-calculator/" title="Buy to Let Mortgage Calculator" class="main-navigation"><span>Buy to Let Mortgage Calculator</span></a></li><li><a href="/mortgage-calculators/buy-to-let-rent-calculator/" title="Buy to Let Rent Calculator" class="main-navigation"><span>Buy to Let Rent Calculator</span></a></li><li><a href="/mortgage-calculators/rental-yield-calculator/" title="Rental Yield Calculator" class="main-navigation"><span>Rental Yield Calculator</span></a></li><li><a href="/mortgage-calculators/capital-gains-tax-calculator/" title="Capital Gains Tax Calculator" class="main-navigation"><span>Capital Gains Tax Calculator</span></a></li><li class="last"><a href="/mortgage-calculators/buy-to-let-stamp-duty-calculator/" title="Buy to Let Stamp Duty Calculator" class="main-navigation"><span>Buy to Let Stamp Duty Calculator</span></a></li></ul></div></div></li><li class="hasChildren"><a href="/mortgages/remortgage/" title="Remortgage" class="main-navigation"><span>Remortgage</span></a><div class="subNavDropDown"><div class="abstract"><h3 class="featuredHeading"><a href="/mortgages/remortgage/">Remortgage</a></h3><p>Change your mortgage deal for your current property.</p></div><div class="subNavWrapper"><ul class="subNav"><li class="spacer first"><span>Mortgages</span></li><li><a href="/mortgages/remortgage/" title="Remortgage Hub" class="main-navigation"><span>Remortgage Hub</span></a></li><li><a href="/mortgages/best-buys/remortgage/" title="Remortgage Deals" class="main-navigation"><span>Remortgage Deals</span></a></li><li><a href="/mortgages/specialist-mortgages/second-charge-mortgages/" title="Second Charge Mortgages" class="main-navigation"><span>Second Charge Mortgages</span></a></li><li><a href="/mortgages/best-buys/best-fixed-mortgage-rate/" title="Best Fixed Rate Remortgage" class="main-navigation"><span>Best Fixed Rate Remortgage</span></a></li><li><a href="/mortgages/best-buys/remortgage/interest-only-remortgage/" title="Interest-Only Remortgage" class="main-navigation"><span>Interest-Only Remortgage</span></a></li><li class="spacer"><span>Guides</span></li><li><a href="/guides/remortgaging-guide/" title="Remortgaging Guide" class="main-navigation"><span>Remortgaging Guide</span></a></li><li><a href="/guides/funding-home-improvements/" title="Remortgage for Home Improvements" class="main-navigation"><span>Remortgage for Home Improvements</span></a></li><li><a href="/guides/second-property-mortgages/" title="Guide to Second Property Mortgages" class="main-navigation"><span>Guide to Second Property Mortgages</span></a></li><li><a href="/mortgages/best-buys/remortgage/debt-consolidation-remortgage/" title="Remortgage for Debt Consolidation" class="main-navigation"><span>Remortgage for Debt Consolidation</span></a></li><li><a href="/mortgages/best-buys/remortgage/mortgage-product-transfer-vs-remortgaging/" title="Product Transfer vs Remortgage" class="main-navigation"><span>Product Transfer vs Remortgage</span></a></li><li><a href="/mortgages/best-buys/remortgage/how-to-remortgage-with-bad-credit/" title="Remortgage with Bad Credit" class="main-navigation"><span>Remortgage with Bad Credit</span></a></li><li><a href="/mortgages/best-buys/remortgage/can-you-remortgage-with-a-county-court-judgement-ccj/" title="Remortgage with a CCJ" class="main-navigation"><span>Remortgage with a CCJ</span></a></li><li><a href="https://www.charcol.co.uk/news-and-opinions/mortgage-property-blog/erc-mortgage-early-repayment-charge-19848/" target="_top" title="Mortgage Early Repayment Charge" rel="noopener" class="main-navigation"><span>Mortgage Early Repayment Charge</span></a></li><li class="spacer"><span>Tools</span></li><li><a href="/mortgage-calculators/remortgage-calculator/" title="Remortgage Calculator" class="main-navigation"><span>Remortgage Calculator</span></a></li><li><a href="/mortgage-calculators/mortgage-comparison-calculator/" title="Mortgage Rate Change Calculator" class="main-navigation"><span>Mortgage Rate Change Calculator</span></a></li><li><a href="/mortgage-calculators/mortgage-overpayment-calculator/" title="Mortgage Overpayment Calculator" class="main-navigation"><span>Mortgage Overpayment Calculator</span></a></li><li class="last"><a href="/mortgage-calculators/house-extension-calculator/" title="Home Extension Calculator" class="main-navigation"><span>Home Extension Calculator</span></a></li></ul></div></div></li><li class="hasChildren"><a href="/mortgages/first-time-buyer-mortgage/" title="First Time Buyer" class="main-navigation"><span>First Time Buyer</span></a><div class="subNavDropDown"><div class="abstract"><h3 class="featuredHeading"><a href="/mortgages/first-time-buyer-mortgage/">First Time Buyer</a></h3><p>Take your first steps towards homeownership with our first-time buyer mortgage hub.</p></div><div class="subNavWrapper"><ul class="subNav"><li class="spacer first"><span>Mortgages</span></li><li><a href="/mortgages/first-time-buyer-mortgage/" title="First Time Buyer Mortgage Hub" class="main-navigation"><span>First Time Buyer Mortgage Hub</span></a></li><li><a href="/mortgages/best-buys/first-time-buyer/" title="First Time Buyer Mortgage Deals" class="main-navigation"><span>First Time Buyer Mortgage Deals</span></a></li><li class="spacer"><span>Guides</span></li><li><a href="/guides/buying-your-first-home/" title="Buying Your First Home" class="main-navigation"><span>Buying Your First Home</span></a></li><li><a href="/guides/house-mortgage-deposit/" title="How Much Deposit Do I Need?" class="main-navigation"><span>How Much Deposit Do I Need?</span></a></li><li><a href="/guides/applying-for-a-mortgage/" title="Applying for A Mortgage" class="main-navigation"><span>Applying for A Mortgage</span></a></li><li><a href="/guides/guarantor-mortgages/" title="Guarantor Mortgages" class="main-navigation"><span>Guarantor Mortgages</span></a></li><li><a href="/guides/tenants-in-common/" title="Tenants in Common" class="main-navigation"><span>Tenants in Common</span></a></li><li><a href="/mortgages/best-buys/first-time-buyer/stamp-duty-for-first-time-buyers/" title="Stamp Duty for First Time Buyers" class="main-navigation"><span>Stamp Duty for First Time Buyers</span></a></li><li class="spacer"><span>Tools</span></li><li><a href="/mortgage-calculators/how-much-can-i-borrow/" title="How Much Can I Borrow?" class="main-navigation"><span>How Much Can I Borrow?</span></a></li><li><a href="/mortgage-calculators/loan-to-value-calculator/" title="Loan to Value Calculator" class="main-navigation"><span>Loan to Value Calculator</span></a></li><li><a href="/mortgage-calculators/mortgage-repayment-calculator/" title="Mortgage Repayment Calculator" class="main-navigation"><span>Mortgage Repayment Calculator</span></a></li><li><a href="/mortgage-calculators/first-time-buyer-stamp-duty-calculator/" title="First Time Buyer Stamp Duty Calculator" class="main-navigation"><span>First Time Buyer Stamp Duty Calculator</span></a></li><li class="last"><a href="/mortgage-calculators/right-to-buy-calculator/" title="Right to Buy Calculator" class="main-navigation"><span>Right to Buy Calculator</span></a></li></ul></div></div></li><li class="hasChildren"><a href="/mortgages/moving-home-mortgage/" title="Moving House" class="main-navigation"><span>Moving House</span></a><div class="subNavDropDown"><div class="abstract"><h3 class="featuredHeading"><a href="/mortgages/moving-home-mortgage/">Moving House</a></h3><p>Manage your move and arrange your mortgage with ease.</p></div><div class="subNavWrapper"><ul class="subNav"><li class="spacer first"><span>Mortgages</span></li><li><a href="/mortgages/moving-home-mortgage/" title="Moving House Mortgages" class="main-navigation"><span>Moving House Mortgage Hub</span></a></li><li><a href="/mortgages/best-buys/" title="Compare Best Mortgage Rates" class="main-navigation"><span>Compare Best Mortgage Rates</span></a></li><li><a href="/mortgages/best-buys/best-fixed-mortgage-rate/" title="Fixed Rate Mortgages" class="main-navigation"><span>Fixed Rate Mortgages</span></a></li><li class="spacer"><span>Guides</span></li><li><a href="/guides/moving-home-guide/" title="Moving Home Guide" class="main-navigation"><span>Moving Home Guide</span></a></li><li><a href="/guides/house-buying-mortgage-guide/" title="Buying a House Guide" class="main-navigation"><span>Buying a House Guide</span></a></li><li><a href="/guides/divorce-and-mortgages/" title="Divorce and Mortgage Guide" class="main-navigation"><span>Divorce and Mortgage Guide</span></a></li><li><a href="/guides/borrowing-into-retirement/" title="Borrowing into Retirement" class="main-navigation"><span>Borrowing into Retirement</span></a></li><li><a href="/guides/property-finance-for-expats/" title="Property Finance for Expats" class="main-navigation"><span>Property Finance for Expats</span></a></li><li class="spacer"><span>Tools</span></li><li><a href="/mortgage-calculators/mortgage-affordability-calculator/" title="Mortgage Affordability Calculator" class="main-navigation"><span>Mortgage Affordability Calculator</span></a></li><li class="last"><a href="/mortgage-calculators/stamp-duty-calculator/" title="Stamp Duty Calculator" class="main-navigation"><span>Stamp Duty Calculator</span></a></li></ul></div></div></li><li class="spacer"><span>Spacer</span></li><li class="hasChildren"><a href="/mortgages/specialist-mortgages/" title="Specialist Mortgages" class="main-navigation"><span>Specialist Mortgages</span></a><div class="subNavDropDown"><div class="abstract"><h3 class="featuredHeading"><a href="/mortgages/specialist-mortgages/">Specialist Mortgages</a></h3><p>See our specialist mortgages hub to find answers to all your different mortgage needs, no matter how complex.</p></div><div class="subNavWrapper"><ul class="subNav"><li class="spacer first"><span>Mortgages</span></li><li><a href="/mortgages/specialist-mortgages/second-charge-mortgages/" title="Second Charge Mortgages" class="main-navigation"><span>Second Charge Mortgages</span></a></li><li><a href="/mortgages/commercial-mortgages/" title="Commercial Mortgages" class="main-navigation"><span>Commercial Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/freelance-and-self-employed-mortgages/" title="Freelance and Self-Employed Mortgages" class="main-navigation"><span>Freelance and Self-Employed Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/freelance-and-self-employed-mortgages/" title="Contractor Mortgages" class="main-navigation"><span>Contractor Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/bridging-loans/" title="Bridging Loans" class="main-navigation"><span>Bridging Loans</span></a></li><li><a href="/mortgages/specialist-mortgages/expat-mortgages/" title="Expat Mortgages" class="main-navigation"><span>Expat Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/offset-mortgages/" title="Offset Mortgages" class="main-navigation"><span>Offset Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/development-finance/" title="Development Finance" class="main-navigation"><span>Development Finance</span></a></li><li><a href="/mortgages/specialist-mortgages/let-to-buy-mortgages/" title="Let to Buy Mortgages" class="main-navigation"><span>Let to Buy Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/private-bank-mortgages/" title="Private Bank Mortgages" class="main-navigation"><span>Private Bank Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/interest-only-mortgages/" title="Interest-Only Mortgages" class="main-navigation"><span>Interest-Only Mortgages</span></a></li><li><a href="/mortgages/best-buys/large-loans/" title="Larger Mortgages" class="main-navigation"><span>Larger Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/new-build-apartment-mortgages/" title="New Build Apartment Mortgages" class="main-navigation"><span>New Build Apartment Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/mortgages-for-doctors/" title="Mortgages for Doctors" class="main-navigation"><span>Mortgages for Doctors</span></a></li><li><a href="/mortgages/specialist-mortgages/mortgages-for-directors/" title="Mortgages for Directors" class="main-navigation"><span>Mortgages for Directors</span></a></li><li class="spacer"><span>Specialist Property</span></li><li><a href="/mortgages/specialist-property-mortgages/" title="Specialist Property Mortgages" class="main-navigation"><span>Specialist Property Hub</span></a></li><li><a href="/mortgages/specialist-property-mortgages/non-standard-construction-mortgages/" title="Non-Standard Construction 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id="c21326"></span><header><h2 class=""> Your mortgage questions answered </h2></header> </div> </div> </div> </div> <div class="container"> <span id="c18725"></span><p>Unlock the door to your dream home with <a href="/">expert mortgage advice</a> from the team at John Charcol. With nearly half a century of experience in the mortgage industry, we are well-equipped to demystify the home-buying process, helping you secure the <a href="/mortgages/best-buys/">best mortgage deal</a> and smoothly navigate the property market.</p><p>Whether you're a <a href="/mortgages/first-time-buyer-mortgage/">first-time buyer</a>, upgrading your home, or exploring refinancing options, we have the insights and expertise to guide you every step of the way. Don't leave your mortgage to chance - empower yourself with our comprehensive <a href="/guides/">mortgage guides</a> that break down the <a href="/guides/mortgage-types/">different types of mortgages</a> in simple terms.</p><p>For those seeking more personalised advice, or help in complex situations, our Ask the Mortgage Experts section is a great starting point. Here, you can browse through enquiries from real people, get answers from our advisers and even submit your own questions to our team of independent mortgage experts.</p><p>Get the answers you need and start your journey to homeownership with confidence today!</p> </div> <div class="unstyled" id="c19782" data-schema="" > <div class="wrapper standard" > <div class="content"> <div class="box toggle frame-none" id="c21318" data-schema=""> <details class="wrapper emphasis" > <summary class="title"> <span>Filter results</span> </summary> <div class="content"> <div class="container"> <span id="c19742"></span><div class="csc-sitemap menuSitemapPages"><ul><li class="first"><a href="/news-and-opinions/ask-the-mortgage-experts/buyer-types/" title="Buyer Types" class="p4067"><span>Buyer Types</span></a><div class="csc-sitemap menuSitemapPages"><ul><li class="first"><a href="/news-and-opinions/ask-the-mortgage-experts/buyer-types/first-time-buyers/" title="First-Time Buyers" class="p3559"><span>First-Time Buyers</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/buyer-types/remortgaging/" title="Remortgaging" class="p3577"><span>Remortgaging</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/buyer-types/home-mover/" title="Home Mover" class="p3544"><span>Home Mover</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/buyer-types/buy-to-let/" title="Buy-to-Let" class="p3580"><span>Buy-to-Let</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/buyer-types/let-to-buy/" title="Let to Buy" class="p3563"><span>Let to Buy</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/buyer-types/self-build/" title="Self-Build" class="p3573"><span>Self-Build</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/buyer-types/new-build/" title="New Build" class="p3557"><span>New Build</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/buyer-types/commercial/" title="Commercial" class="p3556"><span>Commercial</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=" last"><a href="/news-and-opinions/ask-the-mortgage-experts/buyer-types/mortgages-in-retirement/" title="Mortgages in Retirement" class="p3572"><span>Mortgages in Retirement</span></a><div class="csc-sitemap menuSitemapPages"></div></li></ul></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/overseas-holiday-and-second-homes/" title="Overseas, Holiday and Second Homes" class="p4068"><span>Overseas, Holiday and Second Homes</span></a><div class="csc-sitemap menuSitemapPages"><ul><li class="first"><a href="/news-and-opinions/ask-the-mortgage-experts/overseas-holiday-and-second-homes/buying-abroad/" title="Buying Abroad" class="p3574"><span>Buying Abroad</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/overseas-holiday-and-second-homes/expat-mortgages/" title="Expat Mortgages" class="p3551"><span>Expat Mortgages</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/overseas-holiday-and-second-homes/foreign-currency-mortgages/" title="Are you paid in a foreign currency and looking to get a mortgage in the UK? A foreign currency mortgage is one that is serviced or repaid in a different currency from the borrower’s income." class="p3550"><span>Foreign Currency Mortgages</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/overseas-holiday-and-second-homes/holiday-homes/" title="Holiday Homes" class="p3562"><span>Holiday Homes</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=" last"><a href="/news-and-opinions/ask-the-mortgage-experts/overseas-holiday-and-second-homes/second-properties/" title="Read the most frequently asked questions about getting a mortgage on a second home, which have already been answered by our mortgage experts." class="p3561"><span>Second Properties</span></a><div class="csc-sitemap menuSitemapPages"></div></li></ul></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/loans-and-equity/" title="When it comes to property, there is often talk about different loan types and the release of equity to be able to spend on other things such as home improvements. By understanding the type of mortgage, you are currently on and the flexibility of releasing equity will depend on your lender and individual circumstances." class="p4069"><span>Loans and Equity</span></a><div class="csc-sitemap menuSitemapPages"><ul><li class="first"><a href="/news-and-opinions/ask-the-mortgage-experts/loans-and-equity/bridging-loans/" title="Your mortgage for bridging loans questions are answered by the mortgage experts at John Charcol. Find mortgage for bridging loan FAQs online or ask a question yourself." class="p3576"><span>Bridging Loans</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/loans-and-equity/capital-raising/" title="Capital Raising" class="p3552"><span>Capital Raising</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/loans-and-equity/secured-loans/" title="Secured Loans" class="p3571"><span>Secured Loans</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/loans-and-equity/consolidation-of-debts/" title="Consolidation of Debts" class="p3545"><span>Consolidation of Debts</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=" last"><a href="/news-and-opinions/ask-the-mortgage-experts/loans-and-equity/equity-release/" title="Equity Release" class="p3558"><span>Equity Release</span></a><div class="csc-sitemap menuSitemapPages"></div></li></ul></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/mortgage-types/" title="There are a large range of different mortgage types available on the market – They are all suited to different lifestyles and circumstances." class="p4070"><span>Mortgage Types</span></a><div class="csc-sitemap menuSitemapPages"><ul><li class="first"><a href="/news-and-opinions/ask-the-mortgage-experts/mortgage-types/fixed-or-variable/" title="Fixed or Variable?" class="p3555"><span>Fixed or Variable?</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/mortgage-types/interest-only-vs-repayment/" title="Interest Only vs Repayment" class="p3560"><span>Interest Only vs Repayment</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/mortgage-types/offset-mortgages/" title="Offset Mortgages" class="p3575"><span>Offset Mortgages</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/mortgage-types/guarantors-and-buying-with-child/" title="Guarantors and Buying with Child" class="p3548"><span>Guarantors and Buying with Child</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=" last"><a href="/news-and-opinions/ask-the-mortgage-experts/mortgage-types/shared-ownership/" title="Shared Ownership" class="p3570"><span>Shared Ownership</span></a><div class="csc-sitemap menuSitemapPages"></div></li></ul></div></li><li class=" last"><a href="/news-and-opinions/ask-the-mortgage-experts/general-support/" title="General Support" class="p4071"><span>General Support</span></a><div class="csc-sitemap menuSitemapPages"><ul><li class="first"><a href="/news-and-opinions/ask-the-mortgage-experts/general-support/current-rates-and-the-market/" title="Current Rates and The Market" class="p3546"><span>Current Rates and The Market</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/general-support/coronavirus-1/" title="Coronavirus" class="p4837"><span>Coronavirus</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/general-support/valuations-freehold-leases-and-unusual-property/" title="Valuations, Freehold, Leases and Unusual Property" class="p3565"><span>Valuations, Freehold, Leases and Unusual Property</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/general-support/bad-credit/" title="Bad Credit" class="p3579"><span>Bad Credit</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/general-support/legal-matters/" title="Legal Matters" class="p3549"><span>Legal Matters</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/general-support/lower-mortgage-payments/" title="Lower Mortgage Payments" class="p3578"><span>Lower Mortgage Payments</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/general-support/overpayments-payment-holidays-underpayments-borrowback/" title="Overpayments, Payment Holidays, Underpayments, Borrowback" class="p3567"><span>Overpayments, Payment Holidays, Underpayments, Borrowback</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=""><a href="/news-and-opinions/ask-the-mortgage-experts/general-support/separation-or-divorce/" title="Separation or Divorce" class="p3553"><span>Separation or Divorce</span></a><div class="csc-sitemap menuSitemapPages"></div></li><li class=" last"><a href="/news-and-opinions/ask-the-mortgage-experts/general-support/special-circumstances/" title="Special Circumstances" class="p3564"><span>Special Circumstances</span></a><div class="csc-sitemap menuSitemapPages"></div></li></ul></div></li></ul></div> </div> </div> </details> </div> <div class="container"> <span id="c19745"></span><!-- BEGIN: Content of extension "ll_catalog", plugin "tx_llcatalog_pi" --><div class="tx-llcatalog-pi"><div class="newsList grid"><div class="newsListGrid"><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/can-i-convert-my-mortgage-to-buy-to-let-4177/">Can I Change My Residential Mortgage to Buy to Let?</a></h3><div class="teaser"><p>There are 2 main options when you want to let out a property with...</p></div></div></div><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/what-can-i-do-if-my-ex-partner-stops-paying-their-share-of-the-mortgage-after-separating-6404/">What Can I Do if My Ex-Partner Stops Paying Their Share of the Mortgage After Separating?</a></h3><div class="teaser"><p>My ex and I recently separated. What happens to our joint...</p></div></div></div><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/can-i-get-a-debt-consolidation-mortgage-or-loan-19700/">Can I Get a Debt Consolidation Mortgage or Loan?</a></h3><div class="teaser"><p>Yes, it is possible to obtain a debt consolidation mortgage or...</p></div></div></div><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/can-you-sell-half-of-your-property-to-your-son-or-daughter-6262/">Can You Sell Half of Your Property to Your Son or Daughter?</a></h3><div class="teaser"><p>Yes it is possible to sell half your house but there are certain...</p></div></div></div><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/i-had-a-joint-mortgage-with-my-ex-wife-now-im-off-that-and-on-my-own-am-i-a-first-time-buyer-again-11020/">I Had a Joint Mortgage with My Ex-Wife Now I'm Off that and on My Own Am I a First Time Buyer Again?</a></h3><div class="teaser"><p>After separation, what am I classed as for mortgage purposes? Am...</p></div></div></div><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/can-i-buy-an-over-55s-property-for-a-parent-or-grandparent-5722/">Can I Buy An Over 55s Property for a Parent or Grandparent?</a></h3><div class="teaser"><p>Can a young person buy a retirement property for their parents or...</p></div></div></div><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/two-mortgages-on-one-property-5003/">Two Mortgages on One Property</a></h3><div class="teaser"><p>Can I have two mortgages on one house? I already have a mortgage...</p></div></div></div><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/how-can-i-get-a-mortgage-on-a-freehold-flat-13325/">How Can I Get a Mortgage on a Freehold Flat?</a></h3><div class="teaser"><p>If you're having difficulty finding a lender willing to finance a...</p></div></div></div><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/can-a-mortgage-guarantor-live-abroad-4632/">Can a Mortgage Guarantor Live Abroad?</a></h3><div class="teaser"><p>Whether a mortgage guarantor can live abroad in another country...</p></div></div></div><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/can-i-sell-part-of-my-land-if-i-have-a-mortgage-5948/">Can I Sell Part of My Land if I Have a Mortgage?</a></h3><div class="teaser"><p>Yes, it's possible to sell part of your land even if you have a...</p></div></div></div><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/can-you-release-equity-from-a-property-with-shared-ownership-4776/">Can You Release Equity from a Property with Shared Ownership?</a></h3><div class="teaser"><p>Yes, it is possible to release equity from a property with shared...</p></div></div></div><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/can-i-switch-from-a-buy-to-let-to-a-residential-mortgage-14149/">Can I Switch from a Buy to Let to a Residential Mortgage?</a></h3><div class="teaser"><p>I currently own a buy-to-let that I want to move into, can I...</p></div></div></div><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/how-do-i-find-out-who-i-had-a-mortgage-with-5795/">How Do I Find Out Who I Had a Mortgage with?</a></h3><div class="teaser"><p>How do I find who my mortgage was with on a property? I can’t...</p></div></div></div><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/converting-your-house-into-flats-5987/">Converting Your House into Flats</a></h3><div class="teaser"><p>You need to gain your lender’s consent before commencing any work...</p></div></div></div><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/can-i-buy-a-house-and-rent-it-to-a-family-member-5036/">Can I Buy a House and Rent It to a Family Member?</a></h3><div class="teaser"><p>Whether you can rent a property to family will depend on your...</p></div></div></div><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/what-is-the-minimum-size-for-a-flat-to-get-a-mortgage-5095/">What Is the Minimum Size for a Flat to Get a Mortgage?</a></h3><div class="teaser"><p>What is the minimum square footage needed for a mortgage? I own a...</p></div></div></div><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/can-i-remortgage-a-right-to-buy-property-5981/">Can I Remortgage a Right to Buy Property?</a></h3><div class="teaser"><p>This is where you have the ability to buy a home from the...</p></div></div></div><div class="newsItem "><div class="details"><h3 class="title"><a href="/news-and-opinions/ask-the-mortgage-experts/can-i-remortgage-within-6-months-of-purchase-4910/">Can I Remortgage Within 6 Months of Purchase?</a></h3><div class="teaser"><p>Find out how quickly you can remortgage a house after purchase...</p></div></div></div></div><div class="pagination"><p>Displaying results <span>1</span> to <span>18</span> out of <span>108</span></p><ul><li class="active">1</li><li><a href="/news-and-opinions/ask-the-mortgage-experts/1/">2</a></li><li><a href="/news-and-opinions/ask-the-mortgage-experts/2/">3</a></li><li><a href="/news-and-opinions/ask-the-mortgage-experts/3/">4</a></li><li><a href="/news-and-opinions/ask-the-mortgage-experts/4/">5</a></li><li class="next"><a href="/news-and-opinions/ask-the-mortgage-experts/1/">Next »</a></li></ul><div class="clear"></div></div></div></div><!-- END: Content of extension "ll_catalog", plugin "tx_llcatalog_pi" --> </div> </div> </div> </div> </div> </div> </div> </div> <div class="pageRow contentFooter column footer"> <div class="wrapper"> <div class="box wideContent" id="c21319" data-schema="" > <div class="wrapper standard" > <div class="content"> <div class="unstyled" id="c21321" data-schema="" > <div class="flat" > <div class="content"> <div class="container"> <span id="c21322"></span><p class="button"><a href="/news-and-opinions/ask-the-mortgage-experts/ask-a-question/">Ask your own question</a></p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <!--TYPO3SEARCH_end--> </div> </main> <footer itemscope itemtype="http://schema.org/WPFooter"><div class="upperFooter"><div class="wrapper"><div id="footerNavigation"><div class="wrapper"><ul class="navigation horizontal" role="list"><li class="first"><a href="/about-us/about-john-charcol/about-us/" title="About Us"><span>About Us</span></a></li><li><a href="/introducer-and-affiliate-schemes/" title="Introducer and Affiliate Schemes"><span>Introducer and Affiliate Schemes</span></a></li><li><a href="/about-us/about-john-charcol/our-fees/" title="Our Fees"><span>Our Fees</span></a></li><li><a href="/about-us/about-john-charcol/careers/" title="Careers"><span>Careers</span></a></li><li><a href="/enquire-now/" title="Contact Us and Find Our Offices"><span>Contact Us and Find Our Offices</span></a></li><li><a href="/regulatory-statement/" title="Terms of business "><span>Regulatory Statement</span></a></li><li><a href="/about-us/about-john-charcol/meet-our-team/" title="Our Team"><span>Our Team</span></a></li><li><a href="/about-us/why-choose-us/client-testimonials/" title="Client Testimonials"><span>Client Testimonials</span></a></li><li><a href="/regulatory-statement/complaints-procedure/" title="Complaints Procedure"><span>Complaints Procedure</span></a></li><li><a href="/about-us/why-choose-us/our-awards/" title="Our Awards"><span>Our Awards</span></a></li><li><a href="/cookie-and-privacy-statement/" title="Privacy Statement"><span>Cookie and Privacy Statement</span></a></li><li><a href="/accessibility/" title="Accessibility statement"><span>Accessibility</span></a></li><li><a href="/about-us/about-john-charcol/appointed-representatives/" title="Appointed Representatives"><span>Appointed Representatives</span></a></li><li><a href="/sitemap/" title="Sitemap"><span>Sitemap</span></a></li><li class="last"><a href="/client-hub/" title="Client Hub"><span>Client Hub</span></a></li></ul></div></div><div class="innerUpperFooter"><div class="wrapper"> <div class="box" id="c19489" data-schema="" > <div class="wrapper standard" > <div class="content"> <div class="container"> <span id="c34649"></span><!-- Begin Mailchimp Signup Form --><div id="mc_embed_signup"><form action="https://charcol.us13.list-manage.com/subscribe/post?u=a3592e3882a0a6877fdd8981e&amp;id=d1551fa46a" method="post" id="mc-embedded-subscribe-form" name="mc-embedded-subscribe-form" class="validate" target="_blank" novalidate><div id="mc_embed_signup_scroll"><label for="mce-EMAIL">Sign Up to Our Newsletter</label><input type="email" value="" name="EMAIL" class="email" id="mce-EMAIL" placeholder="email address" required><!-- real people should not fill this in and expect good things - 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