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09/09/2014 by Michelle Crowe

All change on rate rises

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Ray Boulger's Blog

11/09/2014 by Ray Boulger

"Clear, Fair and Not Misleading." Really!

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What our customers say about us

Your efficiency and that of Charcol is breathtaking!

Chris

We are very grateful for our adviser's assistance, and will be recommending her and John Charcol to all who are thinking about buying a property in future.

L Fuller

If I have another mortgage in the future, I will certainly be back for more of the same customer care.

Broker
Recommendations
Mortgage Provider Mortgage Type Initial Rate/Duration Subsequent Rate/Duration The overall cost for comparison Early Repayment Charges  
Tracker Rate Mortgages 1.65% -Bank Base Rate plus 1.15% until 01/12/2016 (70%) 4.79% Variable for term 4.50% APR 1% until 01/12/2016

Details and Apply

Large Loan Mortgage 1.65% - Barclays Bank Rate plus 1.15% for 3 years (65%) 3.99% - Barclays Bank Rate plus 3.49% for term 3.60% APR No early repayment charge

Details and Apply

Discount Rate Mortgage 1.69% - SVR minus 3.95% for 2 years (70%) 5.64% Variable for term 5.20% APR No early repayment charge

Details and Apply

Tracker Rate Mortgages 1.69% - Bank Rate plus 1.19% for 2 years (70%) 3.99% Variable for term 4.35% APR No early repayment charge

Details and Apply

Discount Rate Mortgage 1.75% - SVR minus 4.20% until 31/10/2016 (70%) 5.95% Variable for term 5.30% APR 3/2% until 31/10/2016

Details and Apply

Fixed Rate Mortgage Deals 1.84% Fixed until 30/09/2016 (65%) 5.99% Variable for term 5.40% APR 2/1% until 30/09/2016

Details and Apply

Large Loan Mortgage 1.85% -Bank Base Rate plus 1.35% until 31/12/2016 (60%) 4% Variable for term 3.80% APR 1/0.5% until 31/12/2016

Details and Apply

Cashback Mortgage 1.89% -Bank Base Rate plus 1.39% for 2 years (75%) 3.99% Variable for term 3.80% APR No early repayment charge

Details and Apply

Cashback Mortgage 1.94% - Bank Rate plus 1.44% for 2 years (60%) 4.74% Variable for term 4.40% APR Benefit for 2 years

Details and Apply

Offset / CAM Mortgage 1.99% - Barclays Bank Rate plus 1.49% for 2 Years (65%) 3.99%-Barclays Bank Rate plus 3.49% for term 3.80% APR No early repayment charge

Details and Apply

Terms & conditions

Our charges are based on two considerations: the loan amount and the complexity of your individual circumstances. We will provide you with a free initial consultation and we will always explain exactly what you will be charged before you choose to  proceed with an application. As we offer a bespoke service our charges can vary. Our minimum fee is £495, (of which a non-refundable £150 is payable when you make a formal mortgage application). The average fee paid by our clients over the last year was 0.24% of their loan value. (For example, if your loan amount is £300,000 our average fee would be £720). If your circumstances are more complex we may charge a higher fee. Our maximum fee is 1.5% of the loan value. (For example, if your loan amount is £300,000, our maximum fee will be £4,500).

These fees apply to all regulated mortgages. Certain mortgages, primarily most buy to let and commercial mortgages, are not regulated. Fees for non-regulated mortgages can vary depending on your requirements and circumstances. Please contact us directly for more guidance.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

Legals

Your property may be repossessed if you do not keep up repayments on your mortgage.

John Charcol is a trading style of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Conduct Authority; our registration number is 147692.

John Charcol Associates LLP is an appointed representative of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Registered in England No: 02292688.

The FCA does not regulate some investment mortgage contracts.

Calls may be recorded for training and monitoring.