BoE holds base rate

Bank Of England holds base rate for
the 80th month in a row.

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Your personal mortgage experts

Choosing the right mortgage is a long and complicated process. 
Let our experts help you. 

Call us on 0344 346 3672

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Our latest mortgage deals

Whilst banks & building societies may only recommend their own products, we are independent and can search 1000's of mortgages to find the right one for you.

Mortgage Provider Mortgage Type Initial Rate/Duration Subsequent Rate/Duration The overall cost for comparison Early Repayment Charges  
Remortgage 1.39% - Barclays Bank Rate plus 0.89% for 2 years (60%) 2.49% - Barclays Bank Rate plus 1.99% for term 2.40% APR No early repayment charge Details
Discount Rate Mortgage 1.39% - SVR minus 4.56% until 31/01/2018 (80%) 5.95% Variable for term 5.20% APR 3/2% until 31/01/2018 Details
Tracker Rate Mortgages 1.44% - Bank Base Rate plus 0.94% until 01/02/2018 (70%) 4.79% Variable for term 4.30% APR 1% until 01/02/2018 Details
Fixed Rate Mortgage Deals 1.45% Fixed until 31/12/2017(60%) 5.69% Variable for term 5.20% APR 3/2% until 31/12/2017 Details
Large Loan Mortgage 1.49% - Bank Base Rate plus 0.99% until 28/02/2018 (65%) 5.79% Variable for term 5.20% APR 1% until 28/02/2018 Details
Large Loan Mortgage 1.53% Bank Base Rate plus 1.03% until 31/03/2018 (60%) 4.00% Variable for term 4.00% APR 1/0.5% until 31/03/2018 Details
Fixed Rate Mortgage Deals 1.55% Fixed until 31/12/2017 (75%) 4.99% Variable for term 4.50% APR 3% until 31/12/2017 Details
Cashback Mortgage 1.59% Fixed until 31/01/2018 (80%) 4.74% Variable for term 4.30% APR 2/1% until 31/01/2018 Details
Discount Rate Mortgage 1.59% - SVR minus 4.36% until 28/02/2018 (80%) 5.95% Variable for term 5.20% APR 3/2% until 28/02/2018 Details
Remortgage 1.59% Variable for term (75%) n/a 1.70% APR No early repayment charge Details

Take the strain out of choosing a mortgage

Finding the right mortgage can be exhausting and time consuming. Let our experts take care of it for you.

Call us on 0344 346 3672

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Can adult children living at home prevent parents from getting a mortgage?

I was recently approached by a journalist and asked whether I had heard of parents struggling to get a mortgage if their adult child moves back in with them. It’s not something I see a lot of, but my first thought was any problem...

Ray Boulger's Blog

Self-employed, with no credit. Can my son get a mortgage?

Hi my son is self employed and has no credit card or other store cards .He is having difficulty in securing a mortgage because of his credit status (does not owe anything except student loan ) as well as being self employed. Is there a way forward ?

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We're looking to buy a second home. Can we get a mortgage on it?

We own our house outright, mortgage free, but are wanting to buy another home near the coast to use as and when we can then eventually retire there. Would it be possible to get a mortgage on the 2nd property as this wouldn't be our main residence.

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If I buy a property for cash, & split the ownership 50/50 with my mum, can I remortgage at some point to buy out her share?

Hello, I was trying to get a Decision in Principle but it has taken so long that I was about to lose the property that I wanted and so my family have kindly offered to help me to buy the property in cash. I will split the property 50:50 with my mum. My question is, will I be able to get a mortgage in the future to then buy out my mum's 50% assuming that she is also on the deeds?

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Their knowledge, support, advice and professionalism from start to finish was outstanding and it is my belief that without them we simply would have not have moved and would still be buried in details with solicitors and estate agents.

James Eaton

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.



John Charcol is a trading name of John Charcol Limited and its Appointed Representatives. John Charcol Limited is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 665649. Registered in England No. 9157892. Registered office address for John Charcol Limited is 5th Floor, Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU.

The FCA does not regulate some investment mortgage contracts.

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