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Mortgage Provider Mortgage Type Initial Rate/Duration Subsequent Rate/Duration The overall cost for comparison Early Repayment Charges  
Large Loan Mortgage 1.65% - Barclays Bank Rate plus 1.15% for 3 years (65%) 3.89% - Barclays Bank Rate plus 3.39% for term 3.80% 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 3.85% APR 3/2% until 31/10/2016

Details and Apply

Tracker Rate Mortgages 1.85% - Bank Rate plus 1.35% until 01/10/2016 (70%) 4.79% Variable for term 4.30% APR 1% until 01/10/2016

Details and Apply

Tracker Rate Mortgages 1.94% - Bank Rate plus 1.44% for 2 years (60%) 4.74% Variable for term 4.30% APR Benefit for 2 years

Details and Apply

Large Loan Mortgage 1.95% - Bank Rate plus 1.45% until 31/10/2016 (60%) 4% Variable for term 3.80% APR 1/0.5% until 31/10/2016

Details and Apply

Discount Rate Mortgage 1.99% - SVR minus 3.96% until 31/07/2017 (80%) 5.95% Variable for term 4.90% APR 3/3/2% until 31/07/2016

Details and Apply

Discount Rate Mortgage 1.99% - SVR minus 3.55% for 2 years (80%) 5.54% Variable for term 5.40% APR 3% for 2 years

Details and Apply

Remortgage 1.99% Fixed rate until 30/09/2016 (60%) 3.99% Variable for term 3.90% APR 3/1% until 30/09/2016

Details and Apply

Remortgage 1.99%% Flexx Variable for term (65%) n/a 3.65% APR No early repayment charge

Details and Apply

Discount Rate Mortgage 2.05% - SVR minus 3.80% until 31/10/2016(80%) 5.95% Variable for term 3.90% APR 3/2% until 31/10/2016

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.