3 steps to recommending the right mortgage for you

Our mortgage advice service makes decision-making easy in three simple steps:

1. Finding out about you

Our trained adviser will need to find out about you, about your current situation, your earnings, any debts that you may have, the type and cost of the property you would like to buy or remortgage.  This will help assess your circumstances and show the best way to proceed.  You can then come and see your adviser face to face or proceed by phone if that is more convenient.

He or she will then explain the different types of mortgage that may be right for you and discuss the options.

If you don’t have certain facts to hand, you can always email us, schedule a callback at a time to suit you, or ring your adviser when you are ready.

2. Searching for the best product

Once we fully understand your personal situation, our experts will search though all the available mortgages in the marketplace to find the right one to suit your needs.

3. Presenting you with the solution

Once we are happy that we have the right solution for your needs, your adviser will call you to discuss it or arrange for a face to face appointment.

Once you confirm you are happy to go ahead we will proceed with your application.

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 Conduct 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 Conduct 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 FCA 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.