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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

Post Office
Virgin Money
Accord Mortgages
Max Loan to value 60%: 2 Year 1.19% Tracker.
Initial Rate
1.19% - Bank Base Rate plus 0.94% for 2 years then 3.74% Variable for term
Total amount of credit
Monthly repayments
Scheme fees
Total amount payable
Overall rate
3.40% APRC

Fees and charges:

Booking Fee£0
Arrangement fee£995
Valuation fee£525
Other fees£0


Overpayments allowed?10% per annum
Early Repayment Charges3% until 31/10/17, 1% until 31/10/18

Other info:

Exit fee£265
Basic legalsPayable
Special Deal
Representative example A mortgage of £270,000 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years at 1.19% (0.94% above Bank Base Rate, currently 0.25%) and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £1040.52 and 276 payments of £1,357.25. The total amount payable would be £401,358 made up of the loan amount plus interest (£129,573) and fees (£1,785 which includes exit fees of £265). The overall cost for comparison is 3.40% 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.