Best Capped rate mortgage/remortgage options

UK capped rate mortgage options help you to budget. Interest rates on a capped rate mortgage can move up and down with the market, but will never exceed a specified top level – ‘the cap.’

Our Best Buy table below gives you a quick overview of some of the very best capped rate mortgage deals in the UK.

Capped rates are a niche, and sometimes they are not available.  However, John Charcol does have other mortgages that offer some degree of protection.  From the best fixed rates to the best tracker rates with a drop lock option, there are mortgages and remortgages available that suit all types of borrowers.

Best Buys: Use our quick mortgage finder to compare mortgage rates

Mortgage Provider Mortgage Type Initial Rate/Duration Subsequent Rate/Duration The overall cost for comparison Early Repayment Charges  
Capped Rate Mortgage 2.75% - Bank Base Rate plus 2.25% until 31/12/2014 (65%) 4.74% Variable for term 4.50% APR No early repayment charge

Details and Apply

Capped Rate Mortgage 2.99% -Bank Base Rate plus 2.49% until 31/12/2014 (75%) 4.74% Variable for term 4.60% APR No early repayment charge

Details and Apply

Mortgage comparison powered by Charcol

* All mortgage calculations and APRs are based on a £150,000 repayment mortgage at 75% loan to value over 25 years. Should you require different mortgage calculations then please call one of our independent mortgage advisers.

These mortgage best buys are an indication of the best mortgage deals in the market, but are not necessarily the right mortgage for you.  We advise all mortgage borrowers to call one of our independent mortgage experts who can help find precisely the best mortgage deal for you.  With access to private mortgage banks and alternative building societies who do not have set mortgage products and, as such, do not appear above, a call is highly recommended.  Don't miss out on the best mortgage deals

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Terms & conditions

Your initial mortgage consultation is obligation free. There will be a minimum fee for our mortgage service of £450, of which £150 is payable when you apply, and we will retain the commission from the mortgage lender. Alternatively, you can choose the fee only option which is typically 0.65% of the amount borrowed. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

Legals

John Charcol is a trading style of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Services Authority; our registration number is 147692. John Charcol Associates LLP is an appointed representative of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Services Authority.  Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Registered in England No: 02292688.  This mortgage site is only directed at persons within the UK.   The FSA does not regulate some investment mortgage contracts.  Calls may be recorded for training and monitoring. Max call charge from a BT landline is 3.9p per minute. Calls from other networks may vary.