Your personal mortgage experts - leaning

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

We’re hiring

John Charcol is currently looking for new members to join our expanding team

Join our team

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.

Broker
Recommendations
Mortgage Provider Mortgage Type Initial Rate/Duration Subsequent Rate/Duration The overall cost for comparison Early Repayment Charges  
Discount Rate Mortgage 0.99% - SVR minus 4.55% for 2 years (60%) 5.54% Variable for term 4.80% APR 3% for 2 years Details
Fixed Rate Mortgage Deals 1.09% Fixed until 30/09/2017 (60%) 4.49% - Bank Base Rate plus 3.99% for term 4.10% APR 3% until 30/09/2017 Details
Tracker Rate Mortgages 1.14% - Bank Base Rate plus 0.64% until 30/09/2017 (60%) 3.99% Variable for term 1.30% APR 1.75/1.00% until 30/09/2017 Details
Fixed Rate Mortgage Deals 1.35% Fixed until 30/09/2017 (75%) 4.49% - Bank Rate plus 3.99% for term 4.10% APR 3% until 30/09/2017 Details
Large Loan Mortgage 1.35% Bank Base Rate plus 0.85% until 31/12/2017 (60%) 4.00% Variable for term 4.00% APR 1/0.5% until 31/12/2017 Details
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
Large Loan Mortgage 1.39% Fixed until 31/08/2017 (65%) 5.79% Variable for term 5.00% APR 2/1% until 31/08/2017 Details
Exclusive Mortgage Deals 1.40% Fixed until 30/09/2017 (60%) 3.99% Variable for term 3.60% APR 2.75/1.50% until 30/09/2017 Details
Discount Rate Mortgage 1.49% - SVR minus 4.46% until 31/10/2017 (70%) 5.95% Variable for term 5.20% APR 1% until 30/10/2017 Details
Large Loan Mortgage 1.49% - Bank Base Rate plus 0.99% until 31/08/2017 (65%) 5.79% Variable for term 5.20% APR 1% until 31/08/2017 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

or send us an email

Mortgage loan calculator

Mortgage loan calculator

Mortgage loan calculator

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First applicant

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Second applicant

Second applicant

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Result

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Budget Impact on the Buy to Let Market

I think it is pertinent to relate the budget measure on Buy to Let (BTL) tax relief to last week’s Financial Stability Report comments on BTL lending, from which it was clear the Bank of England is itching to have the powers to...

Ray Boulger's Blog

Our buyer has pulled out. Could we get a bridging loan?

We own outright a property valued £1.65m. We have income after tax of £11.5k a month. We have accessible savings of £500k. We have just lost our buyer 2 weeks before exchange. We don't wish to lose our purchase. We could probably delay exchange till end July. Completion beginning of Sept. We are considering bridging finance. Likely costs of bridging finance for 3 months? Early withdrawal poss? Other options?

Ask the experts

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 ?

Ask the experts

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.

Ask the experts

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.

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

John Charcol Associates is an Appointed Representative of John Charcol Limited, which is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 440957. Registered office: 5th Floor, Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU. Registered in England No. OC314490.

The FCA does not regulate some investment mortgage contracts.

Calls may be recorded for training and monitoring.