More than a comparison site

Now, you would have to have been away for an awful long time not to have seen one of the various national advertisements on TV for a comparison website.  Many of these sites fulfil a fantastic purpose and have brought a real positive financial change to many UK consumers and their pockets.  For many financial products they really are the answer to getting the best bang for your buck.  However, arguably, when it comes to the largest financial commitment you are ever likely to make we believe that little bit extra is required.  It’s called advice.

Unlike credit cards and personal loans, mortgages do not follow a one size fits all philosophy.  The most important thing for a mortgage broker to find out about when they meet you is … you.  Only after understanding your needs and circumstances can a broker make a recommendation.  The very best rate might not be for you, you may have other needs (don’t we all…).  That is why just picking a product on where it comes in a best buy table is a dangerous game, particularly if that best buy has made it to the top with some added financial encouragement from the owner, as happens with a number of comparison websites.

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.