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Ask the experts

At John Charcol, we are constantly asked for advice by borrowers on what they should do when it comes to mortgages. As such, we’ve created this section so that you can submit your questions to our experts. The answers are provided by a team of experts, led by our in house mortgage technical manager, Simon Collins, who has spent the last 11 years helping our consultants to place mortgage applications.

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Post Office
Halifax
Platform
Nationwide
Virgin money
Accord Mortgages
Max Loan to value 65%: Large Loan 2 Year 1.29% Tracker. Maximum loan £3,000,000
Initial Rate
1.29% - Bank Base Rate plus 1.04% until 31/07/2019 then 5.34% Variable for term
Total amount of credit
£1,105,000
Monthly repayments
£4,309
Scheme fees
£2,184
Total amount payable
£1,875,467
Overall rate
4.60% APRC

Fees and charges:

Booking Fee£0
Arrangement fee£999
Valuation fee£1,185
Other fees£0
Cashback£0

Flexibility:

Overpayments allowed?Unlimited
Early Repayment ChargesNo early repayment charges but a fee of £90 is payable when the mortgage is redeemed

Other info:

Exit fee£90
Basic legalsPayable
Special Deal
Representative example A mortgage of £1,105,000 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years at 1.29% (1.04% above Bank Base Rate, currently 0.25%, which will not go below a floor of 1.29%) and then on a variable rate of 5.34% for the remaining 23 years would require 28 payments of £4,309.20 and 272 payments of £6,443.16. The total amount payable would be £1,875,467 made up of the loan amount plus interest (£768,197) and fees (£2,270 which includes exit fees of £90). The overall cost for comparison is 4.60% APRC representative

Confused by all the options? We can guide you.

Our expert team of advisers are available to help you choose the mortgage that is right for you.

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0344 346 3672

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