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
Monthly repayments
Scheme fees
Total amount payable
Overall rate
1.80% APRC

Fees and charges:

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


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

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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.