How can John Charcol help you?

Ask the experts

At John Charcol, we are constantly asked for advice by borrowers on what they should do when it comes to mortgages. As such, we’ve created this section so that you can submit your questions to our experts. The answers are provided by a team of experts, led by our in house mortgage technical manager, Simon Collins, who has spent the last 11 years helping our consultants to place mortgage applications.

Latest deals

Max Loan to value 75%: Offset Flexx variable rate for term
Initial Rate
1.79% Offset Flexx variable rate for term which is managed by Coventry Building Society
Total amount of credit
£337,500
Monthly repayments
£1,395
Scheme fees
£1,007
Total amount payable
£419,770
Overall rate
1.80% APRC

Fees and charges:

Booking Fee£0
Arrangement fee£999
Valuation fee£0
Other fees£8
Cashback£0

Flexibility:

Overpayments allowed?No restrictions on the amount that can be overpaid
Early Repayment ChargesNo early repayment charge but a fee of £125 is payable when the mortgage is redeemed

Other info:

Exit fee£125
Basic legalsPayable
Special DealFree Valuation (Maximum £670). Free Legal Service for Remortgages
Representative example A mortgage of £337,500 payable over 25 years on a repayment basis, initially on a flexx variable rate for 25 years would require 300 payments of £1,395.46. The total amount payable would be £419,770 made up of the loan amount plus interest (£81,138) and fees (£1,132 which includes exit fees of £125). The overall cost for comparison is 1.80% APRC representative

Confused by all the options? We can guide you.

Our expert team of advisers are available to help you choose the mortgage that is right for you.

Phone us

0344 346 3672

News & knowledge

The 100% Family Springboard Mortgage: supporting your family getting on or moving up the property ladder

Saving for a deposit can be one of the biggest barriers for first time buyers looking to get on or move up the property ladder. But a new 100%...

Read more

The 55+ Mortgage: a flexible way to borrow money in later life

If you thought you were too old to get a mortgage, the 55+ mortgage from retirement specialist Hodge Lifetime could provide the solution to your mortgage problems.

Read more

Can I get a loan to bridge the gap between sale of my existing and the purchase of a new property?

I have my property on the market for £230,000 and hope to sell it for £210,000. I am then looking to purchase a house with my son in the region of £250,000...

Read more

Can I remortgage my UK flat to free up cash for an apartment in Spain?

We have no mortgage on our flat and want to buy an apartment in Spain. Rather than taking out a mortgage in Spain would we be able to take a mortgage out on our flat in the UK to release equity?

Read more


Legal

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

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. Calls may be recorded for training and monitoring.