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

Large Loan Mortgage

Rates from:


Correct as of 29/04/2016

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Tracker rate Mortgage

Rates from:


Correct as of 29/04/2016

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First time buyer Mortgage

Rates from:


Correct as of 29/04/2016

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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.

0344 346 3672

News & knowledge

If rates stay low, would I profit from a 'tracker' mortgage?

From The Telegraph, 27 Jan 2016

With the likelihood of a Bank Rate increase receding, Telegraph Money assesses tracker mortgages against fixed-rate deals

In late 2015, it looked to be wise to lock yourself into a fixed rate...

Mortgages & me

2016 Forecasts

• Year end Bank Rate: 0.5%

• House prices: + 4.5%

• Housing transactions: 1.25m

• Gross mortgage lending: £232bn

• Net mortgage lending: £40bn

A multitude of factors influence both financial markets and house prices but...

Ray Boulger's Blog

What is an assigned contract?

If you wish to purchase a new build property that has not yet completed then you are doing what is known as buying off plan. Often you will simply buy the property directly from the developer, with the mortgage funds going from...

Mortgages & me

We are looking to do a Let To Buy. What are our options?

We want to buy a new house and do a let to buy deal to get equity from our current property quite quickly to secure a good deal on second property. We need advice and options please?

Ask the experts


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.