Mortgage types

There are a large number of different mortgage options on the market - all suited to different lifestyles and circumstances. It can be confusing understanding all the features of the different products and knowing which one to choose.  Should I go for an interest only mortgage or repayment? Do I need any special mortgage features?

You can choose the type of mortgage you'd like - Discount mortgages, Capped, Fixed Rate, Tracker, Cash Back, Flexible/CAM, 100%, First Time Buyer, Self Certification or Buy To Let. Or if you're wondering which type of mortgage might best suit you, try our What mortgage suits me calculator.

When choosing a mortgage you need to decide:

  • Do you want a repayment or interest only mortgage?
  • What type of interest rate calculation do you want?
  • What other special features suit you?
  • If you're looking at an interest only mortgage - what type of repayment vehicle suits you?

Just click the links below for more information:

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.