Moving home – get help with the mortgage

Whether you are moving to a larger property, downsizing, or finding something you prefer, moving home can be very stressful, especially when you have to usually make sure your sale and purchase synchronise.

Our experienced team of mortgage advisors will help make sure your mortgages change all runs smoothly and can help arrange a bridging loan or a let-to-buy if necessary.

Let us help reduce the stress - call us on

Mortgage Provider Mortgage Type Initial Rate/Duration Subsequent Rate/Duration The overall cost for comparison Early Repayment Charges  
Remortgage 2.99% (SVR minus 1.60% until 30/04/2014 - 60%) 4.59% Variable for term 3.45% APR No early repayment charge

Details and Apply

Remortgage 3.10% Variable for term (75%) n/a 3.65% APR No early repayment charge

Details and Apply

Exclusive Mortgage Deals 3.14% Fixed until 31/03/2014 (75%) 3.99% Variable for term 4.30% APR 3/2% until 31/03/2014

Details and Apply

Remortgage 3.30% Variable for term (80%) n/a 3.90% APR No early repayment charge

Details and Apply

Fixed Rate Mortgage 3.39% Fixed until 30/04/2015 (70%) 4.59% Variable for term 4.40% APR 5/4/3% until 30/04/2015

Details and Apply

Remortgage 3.74% - Bank Base Rate plus 3.24% for term (75%) n/a 3.40% APR No early repayment charge

Details and Apply

Fixed Rate Mortgage 3.75% Fixed until 31/03/2017 (65%) 4.49% Variable for term 4.40% APR 4% until 31/03/2017

Details and Apply

Buy To Let Mortgage 3.75% Fixed until 31/03/2014 (65%) 4.74% Variable for term 5.40% APR 4% until 31/03/2014

Details and Apply

Mortgage comparison powered by Charcol
Mortgage loan calculator

Mortgage loan calculator

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Mortgage repayment calculator

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Mrs Knight, London

I just wanted to write to say how much we appreciated the service we received from John Charcol over the past few months. They helped us find a suitable mortgage and life insurance policy. Despite what turned out to be quite a long process due to unforeseen circumstances they remained professional, calm and endlessly patient!

What struck me most of all was not only her dedication to getting the best deal for us but also that we always felt we were dealing with someone who genuinely cared about their work and the service they were providing.

In short John Charcol made us feel that she was going through the process 'with' us rather than 'for' us. This kind of service is so rare these days and makes an enormous difference.

Rachel, Oxford

To say you simply saved my house purchase would be an enormous understatement.

I started the process with another broker and they let me down time after time.

As soon as I began dealing with John Charcol I became confident that I would end up in my new house and you did not disappoint.

The service and advice were simply second to none and I would not hesitate to recommend you to anyone who wants to listen!

Thank you once again

Mark, London

We had been recommended to use John Charcol by numerous friends and we are delighted we did!  Given the economic climate and our personal circumstances, which included being self employed, we had found it impossible to get a mortgage - let alone one at the level that we required.

John Charcol sourced a fantastic product and dealt with our application in a calm and professional manner.  Their relationship with the lender also enabled us to extend the mortgage offer beyond the 3 month period which was invaluable and saved us a lot of money.  We have recommended John Charcol to all friends and work colleagues looking for a mortgage.

Thanks to lenders it’s more than ever a brokers market. (Or When is a ‘Best Buy’ not a ‘Best Buy’?)

22/11/2011 by Drew

HSBC’s recent claim that “81% of all best buys are provided by direct lenders” seems to have missed out on the vital point of it’s only a “Best Buy” if you can actually get it. If you can’t it might as well be on the moon. “How do...

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Purchase Business Highest proportion for decades

26/08/2010 by Drew

In July 2010, the proportion of purchase business transacted by John Charcol was the highest it has been for many, many years.  Click here for the full report.

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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.