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Mortgage Calculators

A mortgage calculator can help you understand your options. Use these mortgage calculators to find out how much you can borrow, the cost of a mortgage and how much you could save. Then call the best mortgage calculator - one of our advisers.

Mortgage Provider Mortgage Type Initial Rate/Duration Subsequent Rate/Duration The overall cost for comparison Early Repayment Charges  
Tracker Rate Mortgage 2.39% - Bank Base Rate plus 1.89% for 2 years (60%) 4.75%- Bank Base rate plus 4.25% for term 4.20% APR 2/1% for 2 years

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Tracker Rate Mortgage 2.44% - Bank Base Rate plus 1.94% until 31/03/2014 (75%) 5.99% Variablefor term 5.40% APR 2% until 31/03/2014

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Tracker Rate Mortgage 2.45% - Bank Base Rate plus 1.95% until 31/03/2014 (60%) 4.00% Variable for term 3.90% APR 3% until 31/03/2014

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Large Loan Mortgage 2.49% - Bank Base Rate plus 1.99% until 31/03/2014 (75%) 5.99% Variable for term 5.50% APR 4% until 31/03/2014

Details and Apply

Tracker Rate Mortgage 2.49% - Bank Base Rate plus 1.99% for 2 years (65%) 4.75%- Bank Base rate plus 4.25% for term 4.25% APR 2/1% for 2 years

Details and Apply

Mortgage comparison powered by Charcol

The mortgage news

Divorce and Our Mortgage

21/01/2012 by Lucy

My husband and I separated 3 years ago, he pays me maintanance and I have continued to pay the mortgage since then. I have now decided to file for divorce, do i need to tell the mortgage company when the divorce comes through? We have a separation agreemen in place from our solicitors which says I can keep the house until the kids are 18. As long as i continue to pay the mortgage do they need to know we are now divorced?

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Life. It's worth covering...

05/01/2012 by Drew

It’s that moment when you’ve secured what you wanted, but then the adviser/salesperson begins their scripted spiel on the virtues of their insurance, and why you should have it. As usual we listen politely, before declining....

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Why use John Charcol?

John Charcol is the UK's leading and original independent mortgage adviser.  Formed in 1974, we've seen the economy at its best and worst - several times - and have advised our mortgage clients through both.  The relationships we have built with mortgage lenders, many of which you will not find on the high street, mean that we make sure every single client has precisely the best mortgage for them.  We believe in individual advice for every client; after all, everyone is different.  And, with a service record that is second to none, we do this efficiently and with as little stress as possible.  To find out more about how we work simply give us a call.

  • Expertise - unlike comparison sites, we only do mortgages, so we are the mortgage experts.
  • Honest & Independent - unlike mortgage lenders, we will find the best mortgage option in the market.
  • Service - Moving home is stressful enough, so our job is to deal with the mortgage hassle for you.

Terms & conditions

Your initial mortgage consultation is obligation free. There will be a minimum fee for our mortgage service of £450, of which £150 is payable when you apply, and we will retain the commission from the mortgage lender. Alternatively, you can choose the fee only option which is typically 0.65% of the amount borrowed. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.

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

Legals

John Charcol is a trading style of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Services 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 Services Authority.  Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Registered in England No: 02292688.  This mortgage site is only directed at persons within the UK.   The FSA does not regulate some investment mortgage contracts.  Calls may be recorded for training and monitoring. Max call charge from a BT landline is 3.9p per minute. Calls from other networks may vary.