Independent Mortgage Broker Experts Guiding You Home
John Charcol is the original independent mortgage broker in the UK. We’re award-winning with 50 years of experience in finding the best mortgage rates for every type of buyer.
Mortgages
What can we help you with?
Today's Best Buy Mortgages
Want an idea of the rates currently available? Here are the latest and lowest mortgage rates on the market today.
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The John Charcol Difference
We provide a service that’s uniquely tailored to you.
Want someone to hold your hand through the buying process? We’re here.
Need advice on mortgaging a diverse portfolio? No problem.
Unsure what cover will protect you and your family? We’ve got it.
We provide expert advice based on 50 years' experience
With 50 years of service, we’ve seen it all. Whether you’re a first time buyer looking to get on the property ladder or a seasoned landlord with a complex income structure, our mortgage experts can help. We can save you money, time and make buying your property easy (and dare we say – enjoyable!) Still not convinced? Check out what our customers say on reviews.co.uk, where we have over 2,700 5 star reviews. Feel confident that your mortgage is in the right hands with John Charcol’s experts.
Where award-winning mortgage advisers live
We’re a people company. Our diverse range of talented people each bring their own knowledge and experience to the business.
Calculators to Make Your Journey Easier
Ready to crunch some numbers? Check out some of our mortgage calculators below to get you started.
How Much Can I Borrow?
Calculation complete
Maximum borrowing: —
This is an estimated range based on our experience with major UK lenders. One of our advisors will be able to help you find the right lender for you.
What does this mean?
We think that most lenders will lend you enough to buy a house up to — with your deposit, but you may be able to buy a house worth up to — with some lenders. A mortgage advisor will be able to help you find the right one.
We think that most lenders may lend you up to — for this property value; with some lenders you could borrow up to —. A mortgage advisor will be able to help you find the right product.
Estimated monthly payment
— /month
Your results could be…
Fill in the fields to calculate your mortgage affordability
How is this calculated?
This calculator run the details you enter through an affordability model that estimates how much you might be allowed to borrow, and provides two indicative borrowing limits: a more conservative figure and a riskier one.
Those figures are combined with the figures with your deposit or property value to describe what that could mean in terms of how much you could borrow or what sort of property price that might support.
It produces an illustrative repayment-style figure based on the higher of the two borrowing amounts, your selected term, and a fixed illustrative interest rate.
The payment is for guidance only and is not a mortgage offer; actual products, rates, and lender decisions will differ.
Next Steps
Speak to our team for a free consultation and more advice on what you can borrow.
Second Charge Mortgage Calculator UK
Use our second charge mortgage calculator to work out what you can afford on a second charge mortgage. Simply enter your property’s value and the amount currently outstanding on your first charge mortgage.
You could raise a second charge of up to:
Your second charge could be…
Calculating your second charge
How is this calculated?
This second charge loan calculator will work out how much you could borrow on a second charge mortgage by calculating the total amount of equity available in your property, at a totalLTV of 85% (85% is a common maximum LTV used by many second charge mortgage lenders). It will then subtract your outstanding first charge from the total amount of equity available. This figure will then give you the amount you could potentially borrow on a second charge mortgage on your property.
Next Steps
Mortgage Repayment Calculator
Monthly Payment
You monthly repayments could be…
Calculating your monthly repayments
How is this calculated?
This Mortgage Repayment Calculator works out what your monthly mortgage payment could be for a repayment mortgage by taking the loan amount and applying the interest rate then dividing this over the mortgage term.
For an interest only mortgage, the calculator applies the interest rate to the mortgage amount to give you your month interest payment.
Next Steps
Speak to our team for a free consultation and more advice on what you can borrow.
John Charcol's
Rate Watch Guarantee
Lock in a great deal now. From there, we continuously track your chosen lender’s rates and keep you informed of any movement. (Lender restrictions may apply.)
If a better match becomes available, we’ll guide you through switching during the process to make sure you secure the smarter option.
Will Mortgage Rates Go Down In 2026?
Mortgage rates are no longer following the gentler downward path many had expected for 2026. Earlier hopes of gradual improvement have been disrupted by renewed inflation concerns and recent volatility in energy markets, which have pushed swap rates higher and led lenders to reprice fixed deals.
That means any fall in mortgage rates from here is likely to be slower, smaller and far less predictable than previously thought. Fixed rates have already adjusted to reflect a more uncertain outlook, and while pricing could ease again later in the year if market conditions settle, borrowers should not expect a sharp or steady decline from current levels.
Overall, the outlook for 2026 is now less about gentle downward pressure and more about continued sensitivity to inflation, energy prices and market expectations. Mortgage pricing may improve in time, but the path is likely to be uneven rather than smooth.
Nicholas Mendes
UK Mortgage and Property Expert
News Coverage and Press Information
To speak to one of the media team email pr@johncharcol.co.uk with your request and we will get back to you.
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