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

Product of the week - 3 Year 1.99% Fixed

Max Loan to value 80%: 3 Year 1.99% Fixed
Initial Rate
1.99% Fixed until 31/08/2019 (80%)
Total amount of credit
£360,000
Monthly repayments
£1527
Scheme fees
£1414
Total amount payable
£641,710
Overall rate
5.00%

Fees and charges:

Arrangement fee£800
Valuation fee£415
Other fees£0
Cashback£0

Flexibility:

Overpayments allowed?10% p/a
Early Repayment Charges3% until 31/08/2019

Other info:

Exit fee£185
Basic legals£0
Special Deal
Representative example Representative example: A mortgage of £360,000 payable over 25 years on a repayment basis, initially on a Fixed rate for 3 years at 1.99%% and then on a variable rate of 5.99% for the remaining 22 years would require 37 payments of £1526.57 and 263 payments of £2222.16. The total amount payable would be £641,710 made up of the loan amount plus interest (£280,111) and fees (£1,599). The overall cost for comparison is 5.00% 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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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.