Exclusive Products

John Charcol's expertise and size allows us to secure exclusive mortgage deals with top lenders and we typically offer a number of exclusives at any one time. These may be mainstream, market-leading fixed or discounted rates which offer beneficial rates and terms. Or they may be mortgages designed with the needs of specific consumer groups in mind. For example, we have been instrumental in securing better mortgage terms for the self-employed, buy-to-let investors and divorcees.

If you choose one of our exclusive or semi-exclusive mortgages, John Charcol will charge a booking fee of £75, which is payable on application. This fee will be fully refundable until the point of application.

See our exclusive mortgage product range

"Years of experience has allowed my team to develop some of the most innovative and market-leading exclusives the market has ever seen.  It is one of the things that makes us stand out from the crowd and something our clients find very impressive."

Walter Avrili, Director of Products

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.